vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: PA

Complaint narrative:
I see a Mobile phone on my report I do not recognize XXXX XXXX {$1800.00} I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity thief

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX was taken out on XX/XX/year> for total of {$1900.00} through Acima Leasing. I paid {$1600.00}. Asked for payoff and they have uped our balance and now say I owe them {$2700.00} after making payments of {$1600.00}. I have called numerous times to be hung up on or transferred to no one. I got through XXXX time and was supposed to do payoff and call dropped. This should be illegal. I am on XXXX and can't pay this anymore. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hello I am writing because I have been dealing with synchrony bank on XXXX different accounts, XXXX and XXXX XXXX XXXX  for the last year. I am also have problems with my business card that was locked with XXXX 

I have sent Synchrony bank a copy of my check that I paid directly to the company that installed some stone and back splash. I even have a letter from them stating my bill has been corrected and I do not owe them anything. Still they continue to send me a bill. 

On top of it, sychrony took my last payment for XXXX XXXX XXXX ( {$330.00} ) and applied to my XXXX account ( after it was supposed to be closed for payment in full ). I have spent hours on the phone with them attempting to clear this up In XXXX I was on the phone with them for XXXX hours and the woman PROMISED me she fixed it. I am still receiving bills from both accounts. 

Lastly, XXXX ; I opened an XXXX XXXX account and wanted to shut down my business account with them - account ending in XXXX. I paid my account off in full, called and they said I couldn't close my account until the payment processed but I could lock the card so that no other charges would go through. I agreed to lock the card until the payment processed. In the mean time they allowed another charge to go through the card AFTER it was locked. They hung up on my XXXX times as I tried to explain that they should not have allowed any charges onto that card and that I am not responsible - especially since I wasn't in procession of the card as I had shredded it. 

These XXXX companies are not working with me and are continuously creating charges that just should not exist. I am at my wits end because I have spent countless hours on the phone, sending copies of payments, letters clearing my charges, etc just to have this ontinue to go in XXXX big circle. It is also effecting my credit as my credit score was XXXX and is now in the XXXX. 

This is such a mess and I would like to have so help so that these XXXX companies leave me alone and close the accounts that I do not owe on. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint regarding the unjust XXXX of my funds and the indefinite suspension of my Zelle account, as well as the lack of assistance from XXXX XXXX XXXX in resolving this issue. 

On XX/XX/year>, I completed a transaction involving the sale of cryptocurrency on XXXX. Funds were transferred to my Zelle account from multiple sources as agreed with the buyer. After releasing the cryptocurrency to the buyer in good faith, Zelle revoked my access to the platform and seized my funds without providing any notice or explanation. 

I contacted XXXX XXXX XXXX, the financial institution providing access to my Zelle account, to resolve the issue. However, they informed me that Zelle had made the decision unilaterally, and XXXX  XXXX XXXX could not assist me further. 

Additionally, I have already filed a complaint with the XXXX XXXX XXXX  ( XXXX  ) regarding this issue. I have received responses from both Zelle and XXXX XXXX  XXXX through that process, and I am prepared to provide those responses as supporting documentation for this complaint. 

This situation has caused significant financial and emotional distress. Zelle advertises itself as a secure payment platform, but this experience undermines that claim. Furthermore, XXXX  XXXX XXXX refusal to provide support in a matter involving a service they facilitate is deeply disappointing. 

Neither Zelle nor XXXX  XXXX XXXX has made any effort to investigate the situation or provide a clear resolution. I did not receive any notice from either company informing me of any allegations of unauthorized use of my account or any specific claims against me. 

Instead, both companies have treated me as if I am guilty without due process or proper investigation. This lack of communication and transparency is deeply troubling and unfair, as it disregards my rights as a customer. It is unacceptable for companies to take such unilateral actionsblocking access to my account and seizing fundswithout providing any explanation or opportunity for me to address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
Im really upset after finding several inquiries from your company on my credit report that I didnt authorize. These are lowering my score and creating a lot of problems for me.

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 2024-12-27 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: TX

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 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 2024-12-27 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: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX / XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$940.00}

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 2024-12-27 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: IN

Complaint narrative:
The original creditor XXXX XXXXXXXX notified me that the account has been closed & for the credit bureaus to block the information from reporting

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 2024-12-27 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: RI

Complaint narrative:
Under XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) subject to subsection ( XXXX  ) and except as provided in subsection ( XXXX ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXX/XX/year>

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 2024-12-27 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: FL

Complaint narrative:
I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. Please see attachments for police report case number, ID for identification verification, and copy of credit card bank statement for additional identification verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello my regions Account over drafted and they charged me a total of XXXX dollars in overdraft fees. This is way too expensive and hard for me to pay off after talking with them they were able to lower it by {$90.00} dollars but this is very expensive for me.

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 2024-12-27 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: NC

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: NH

Complaint narrative:
Debt collector calls. agent refuses to re-identify himself when asked because could not be understood with accent and is attempting to collect on a time barred debt with no mention of the fact that it was time barred, a clear violation of section 807:10 of the FDCPA. Agent gave my PPI out over the phone without first verifying he was speaking to the correct party which should be a breach of the FDCPA on communication with third parties. Additionally the company has failed to send the required Validation Notice on this debt before communcating with me via phone. Even if the debt collector realizes their mistake and sends the notice out within 3 days as required by the FCDPA the agent demanding payment without giving me a chance to dispute the debt which overshadows the validation notice and puts them in violation of CFPB Regulation F - 1006.34

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-27 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: Nelnet, Inc.
State: FL

Complaint narrative:
This letter serves as a formal Notice of Dispute regarding the inaccurate and unauthorized reporting of student loan accounts on my credit report. These accounts are in violation of the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). I request an immediate investigation into these matters and the removal of the accounts listed below.

Accounts in Dispute : U.S. Department of Education Reason for Dispute : The account is being reported without proper authorization to share my educational records or loan data. Under FERPA ( 20 U.S.C. 1232g ( b ) ), the unauthorized disclosure of my education records, including loan-related data, is prohibited unless explicit consent is provided. No such consent was given. Furthermore, the continued reporting of this account violates my privacy rights and misrepresents my financial standing.

U.S. Department of Education Reason for Dispute : The balance on this account is inaccurate and does not reflect the correct terms or status of the loan. Additionally, the reporting of this account constitutes an unauthorized disclosure of my educational records, violating FERPA. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information have a duty to ensure accuracy, and failure to meet this standard has caused harm to my creditworthiness.

Legal Basis for Dispute : Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g ( b ) : Protects the privacy of student education records and restricts unauthorized disclosures. The reporting of these accounts constitutes a violation of this federal law.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Mandates furnishers to provide accurate information to consumer reporting agencies.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain procedures to ensure maximum possible accuracy of information.

15 U.S.C. 1681i : Establishes the right of consumers to dispute inaccuracies and requires CRAs to conduct reasonable investigations.

Demands : Conduct a thorough investigation into the accounts listed above within the statutory 30-day timeframe.

Remove or block the reporting of these accounts as they violate federal privacy and credit reporting laws.

Provide written confirmation of the actions taken, including the removal of these accounts from my credit report.

Failure to comply with your obligations under FERPA and the FCRA will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the U.S. Department of Education, and the Federal Trade Commission ( FTC ). I also reserve the right to pursue civil remedies under 15 U.S.C. 1681n and 15 U.S.C. 1681o.

Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: VT

Complaint narrative:
I consolidated my student loans in order to benefit from the PSLF program, which I did hesitantly because my interest rates went up significantly upon doing so. I was told I didn't have to opt into an income driven loan repayment program in order to qualify for PSLF. An income driven plan would double my monthly payment cost and is not an option. When I logged into my account recently, I noticed the dashboard showing that I had only made 20 qualifying payments, I have been working for non-profit health systems for 55 months making payments. My dashboard was now showing that I was " not in an eligible program to qualify for PSLF '' and urging me to opt into income driven repayment. Had I known what an absolute scam this program is, I would have never consolidated my loans in the first place. There is no financial benefit that I will derive through opting into this program, it is simply making me pay a 20 year loan in 10 years through doubling my monthly payment and added to my financial burden and total loan cost by increasing my interest rates. I would never have signed up had I been given accurate information from the representatives I spoke with initially.

Company response to consumer: Closed with explanation