vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 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: NE

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I am formally disputing the inclusion of the credit card delinquencies from Bank of America and XXXX XXXX on my credit score, citing violations of the CARES Act provisions. These delinquencies arose during the COVID-19 pandemic, a time of significant hardship for many, including myself. Despite communicating my late payments to the creditors and explaining that they were due to circumstances beyond my control, such as a natural disaster, these delinquencies were still reported on my credit report. I believe that under the CARES Act provisions, which aim to protect consumers facing financial difficulties during the pandemic, these delinquencies should be removed from my credit report. It is essential that my credit report accurately reflects the challenges I faced during this unprecedented time and does not unfairly penalize me for circumstances that were beyond my control.

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 2024-06-03 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: NE

Complaint narrative:
I have identified unauthorized inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of a repossession and charge-off account reported on my credit reports by all three major credit bureaus : XXXX, TransUnion, and XXXX. Despite my efforts to ensure timely payments and maintain accurate records, these entries have negatively impacted my credit score. I am specifically requesting validation of the following : 1. **Competent Evidence** : Verification of all calculations, accounting audits, dates, and balances related to the account agreements I have with the reporting company.

2. **Validation of Debt** : Clear and indisputable documentation of the consumer-credit contract, bearing my lawful signature, which outlines the terms and conditions I agreed to and may have led to any derogatory marks on my account history. 

The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and relevant state laws mandate that all reported information must be accurate and verifiable. In this case, the necessary validation and competent evidence seem to have been overlooked, resulting in the incorrect reporting of the repossession and charge-off status across all three bureaus.

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 2024-06-03 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: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of a repossession and charge-off account reported on my credit reports by all three major credit bureaus : XXXX, XXXX, and Equifax. Despite my efforts to ensure timely payments and maintain accurate records, these entries have negatively impacted my credit score. I am specifically requesting validation of the following : 1. **Competent Evidence** : Verification of all calculations, accounting audits, dates, and balances related to the account agreements I have with the reporting company.

2. **Validation of Debt** : Clear and indisputable documentation of the consumer-credit contract, bearing my lawful signature, which outlines the terms and conditions I agreed to and may have led to any derogatory marks on my account history.

The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and relevant state laws mandate that all reported information must be accurate and verifiable. In this case, the necessary validation and competent evidence seem to have been overlooked, resulting in the incorrect reporting of the repossession and charge-off status across all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.15 USC 1681 SECTION 602 STATED I HAVE THE RIGHT TO PRIVACY.15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR AND PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
I took out a loan with bright lending in XXXX. I was able to make a payment but unfortunately I had fallen through hard times. On XX/XX/XXXX I entered a payment plan. I was able to make XXXX payments. The last payment I made was Thursday XXXX. I reached out via XXXX and CFPB on XX/XX/year> to file a complaint. I received a response on XX/XX/year> to settle for the principle balance of {$600.00}. I agreed to the resolution but I have been struggling to get back on track since XXXX and I would like to know how much I have paid during XXXX and I would like to settle for what has been paid. I am on a fixed income and Im barely getting by and my expenses keep increasing I look forward to a resolution to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: WI

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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!

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 2024-06-04 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: CA

Complaint narrative:
Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers report differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers report differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

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 2024-06-03 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Due to medical costs in the year 2023 and inflation, I have gone under in my checking out a few times throughout the year. Randolph Brooks FCU charges a XXXX courtesy pay fee no matter what the cost of the charge is. The charge could be for a XXXX and they will not waive the fee. I've called and spoken to high levels of leadership to maybe waive a fee or two and it is always a cold-hearted no I receive. Other credit unions in the XXXX XXXX area are a lot more understanding, however, Randolph Brooks, does not have to heart to help one of their members. I even went to a branch and kindly asked a branch manager and the answer was still no. Recently, it was estimated consumers shoulder XXXX XXXX in late fees every month by cutting fees that go to the profit of credit card companies. I feel not enough attention is focused on credit unions and their role in excessive fees to pad their profit margins. Despite my asking mainly due to my medical hardship, they still were not able to waive one fee for me this year. My year-to-date courtesy pay fee with Randolph Brooks Federal Credit Union is {$760.00} XXXX Even half of that waived would have put back hundreds of dollars to groceries, gas, or medical expenses. Imagine the XXXX dollars that credit card companies profit every month from Americans flowing back into the US economy. That number was estimated recently when the CFPB announced the details of the fee limits. Now imagine what the number is for banks and credit unions profiting monthly for overdrafts and/or courtesy fees. I feel the number surpasses the late fees credit card companies are making, money that could be helping inflation by going straight into the economy instead of overly greedy profit chasers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
was wrongfully XXXX  and XXXX  at XXXX XXXX, Virginia XXXX under an unsecured XXXX XXXX. After release, I discovered my vehicle had been improperly towed to the XXXX XXXX XXXX XXXX, Maryland. I was advised to contact the XXXX XXXX coordinated XXXXXXXX XXXX XXXX for the XXXX XXXXXXXX Sheriff to determine which facility might still hold some of my personal belongings. Multiple companies, including XXXX in XXXX, XXXX XXXX XXXX in XXXX, and XXXX in Maryland, were involved in the transport of my possessions. The response from one company, XXXX XXXX, contained inaccuracies. One tow company kept my laptop but returned it promptly upon request, while another had five bags and a large duffel bag I purchased at XXXX XXXX on the XXXX XXXX, Virginia Military Installation, which were damaged. Around XXXX XXXX, my vehicle, personal property, and Virginia Plates were stolen and unlawfully transported across state lines. I am now without my vehicle and personal items. XXXX XXXX XXXX instructed me to return my vehicle to its original state location. Despite all charges in XXXX being dismissed, I am still liable for impoundment fees and late charges, which are meant to be covered by XXXX XXXX XXXX. These unlawful incidents have caused significant financial strain. The Finance Company has not assisted in recovering my vehicle and personal property. However, Veterans Affairs and the Veteran Administration are providing support as I lack reliable transportation and necessary credit. A payment system error falsely showed that XXXX XXXX did not receive a payment in XX/XX/year>. I am also dealing with military-related XXXX and a recent XXXX XXXX. I needed a vehicle for my Washington DC Veterans Administration XXXX, and additionally, I was able to rapidly relocate to places that were more secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: AR

Complaint narrative:
I filed a dispute on XX/XX/2024 about fraud charges on my account due to a stolen card. This company have not responded, and I haven't been offered a provisional credit while an investigation be conducted. A due process investigation would take up to XXXX to complete, with sufficient documents I could submit to the police station I filed my police report with.

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 2024-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I had my student loans forgiven after the XXXX agreement with my original provider, My Great Lakes . Now my information has been transferred to a new company, Nelnet.

I have an email confirmation for {$18000.00} and {$250.00} that was refunded back to my account on XX/XX/year>. 
The email states the refund came from the U.S. Department of Education. 
Now through Nelnet I have a balance of XXXX XXXXXXXX. 
A lot of conversations were had on the phone when I originally applied for the forgiveness. I have siblings going through the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XX/XX/year> XXXX XXXX XXXX, XX/XX/year> XXXXXXXX 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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XX/XX/year> I read an email from XXXX saying my credit received a hard inquiry from a credit card account I did not sign up for. this came from Experian. I tried logging into Experian to file a dispute or fraud claim and could not remember my password. though it said I'd used the email before, I tried entering my phone number and it didn't match their record. I tried my house phone and that didn't match either. I clicked forgot username, entered my DOB and social, and an email was sent to an address that IS NOT MINE. I tried calling Experian and had an extremely difficult time figuring out how to talk to a live agent, and hours later, even after taking to multiple agents, I still don't have my account back. the email, phone number and even possibly the security question have all changed. Experian says they elevated the claim but I still have not received an email or call from 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 explanation
Consumer complaint received 2024-06-03 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: GA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I had a XXXX account XXXX went to collections with Portfolio Recovery. Whenever I logged into their website, my account showed a XXXX balance. I have screenshots going back periodically over the past XXXX years. I disputed the entry on my credit reports several times and notified the credit reporting agencies that I had contacted them to resolve the debt but they declined to accept any payments. Nevertheless, they continued to verify the debt. Next, I receive a demand letter from XXXXXXXX XXXX XXXXXXXX and discovered that Portfolio Recovery retained them. The amount is now over {$3600.00}, much of it fees and interest. I believe Portfolio Recovery is intentionally making it difficult for borrowers to pay so that interest can accrue. Your organization censured Portfolio Recovery in XXXX  for similar practices and were ordered to revise their debt collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase is knowingly reporting this inaccurate account after notifying them previously of this inaccurate reporting. They are damaging my credit score unfairly and causing me hardship due to me being denied for housing because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My online account login was locked. Since this is an online saving account, I also do not have my ATM card. 

I call citibank XXXX times to reset my online account, and to send me an ATM card. All XXXX reps refused because they said the only way to unlock my account at this time is using my ATM card. I asked to have a new card mailed to me. They also said " NO '' since they can't verify me. 

I have over $ XXXX in that account I need for purchasing of a new house. I don't know what to do.

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 2024-06-04 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: AZ

Complaint narrative:
I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.

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