vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
The recent closure of my personal bank account without prior notification or valid explanation from Bank of America has left me in helpless despair. On Monday, XX/XX/XXXX, I contacted Bank of America to close my business account, as I had decided not to proceed with starting my business and put the plans on pause until I was able to be in a better financial position. This account was separate from my personal account which I opened at a later date. I wanted to bank with Bank of America and stop banking with my current bank XXXX XXXX XXXX XXXX where I receive my only income my VA XXXX checks due to me being a 100 % XXXX Veteran. However, on XX/XX/XXXX, I attempted to access my personal account, only to find that it had been locked and subsequently closed. I was shocked to discover that this had been done without any prior notification or communication from the institution. 
When I contacted the support team, I was informed that this was a business decision. I was given no further clarification and was spoken to like a second-class citizen. This decision has left me stranded overseas as I came to visit family for some time to get on my feet after going through bankruptcy earlier this year. The money was for me to start a new life for me and my fiance. My fiance and I reside in XXXX ( my place of residence ), without access to my life savings or financial resources. As a 100 % XXXX veteran, this situation has caused me immense distress to my mental health, primarily as I rely on these funds for my daily living expenses. 

I did nothing wrong to warrant the closure of my account, and I was never informed that such action would be taken. Given my current situation in a foreign country, the urgency of this matter can not be overstated. I am without access to my funds, which places me in an extremely vulnerable position. I'm not even able to purchase a plane ticket back to my home country, the United States. I implore you to address this issue with the utmost urgency. 

I can provide proof of my VA XXXX status i can provide proof of all my statements with XXXX XXXX XXXX XXXX and transaction history to my Bank of America account. I can provide all evidence of XXXX wrong-doing on my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a new account at BOA XXXX XXXX XXXX XXXX in XXXX XXXX a few days ago. When opening the account, I can assure you that I provided the correct address, which I know will be used to deliver my new cards. However, after opening the account, I returned home and found out the delivery address on my BOA app was incorrect. I then called BOA immediately to correct the address. While the representative over the phone claimed he changed the delivery address as I asked and promised that the cards would be sent to the correct address, the delivery address on the shipping notice email which I received a day after was still wrong. I then called another time and spoke with one of their representatives, but the same thing happened again. Every time I called I repeatedly confirmed the address they claimed they had helped me change into, and they all promised on the phone that the card would now be sent to the correct place. But the fact is, the card was still heading to the wrong place. I'm extremely disappointed by BOA 's service and would like to complain and let you know about 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 explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: PA

Complaint narrative:
When I reviewed when credit report accoubt, it shows on the student loans that MOHELA has opened two accounts, and it now doubled my student loan debt on my account. It should only be one account/account. Now it looks like that I have more debt than I do. I have reported it to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a check as payment for work I was scheduled to perform. Suspecting that the check might be fraudulent, I immediately contacted Regions Bank to report my concerns. I also reached out to the company that supposedly issued the check, and they confirmed that it was indeed fraudulent. Consequently, my checking account was locked by the bank. 

I promptly informed Regions Bank about the situation. They advised me that my case was under review and that my account would likely remain suspended pending an investigation, which they estimated would take 30 days to complete. 

By XX/XX/XXXX, having received no further communication, I visited the XXXX XXXX branch to seek an update. I was told they would investigate and get back to me, but no one did. A week later, I returned for an update and was assured that someone would call me back ; however, I did not receive any follow-up. 

I then contacted the customer service hotline, but they were unable to assist and directed me to visit a branch. Returning to the branch, I was informed that a ticket had been submitted regarding my case, but there was nothing more they could do at that time. 

Seeking resolution, I visited the XXXX, Florida branch where I originally opened my account. I spoke with the branch manager, who promised to look into the matter. A few days later, she contacted me and stated that she was unable to release my funds due to an alleged credit card debt from XXXX. To my understanding, even if such a debt existedwhich I believe it does notit would fall outside Florida 's statute of limitations for debt collection, which is five years.

Currently, my account remains open and continues to accrue interest, yet I have no access to my funds. I have personally requested validation of any alleged debts at the branch but have not received any documentation or evidence. It has now been seven months without access to my money. 

I am becoming increasingly desperate, as no one from Regions Bank has provided assistance or a resolution to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: Monterey Financial Services LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX Subject : Debt Validation Request Under FDCPA Dear XXXX XXXX XXXX, I am writing to request validation of the debt you have contacted me about. Pursuant to 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information : Proof of Debt : Please provide me with a detailed statement showing the amount of the debt, including an itemized account of all charges and payments made to the account. 
Assignment Contract : If you are not the original creditor, please provide me with the assignment or transfer contract showing that you have been legally assigned the right to collect this debt from the original creditor. This contract should include the original creditors name, the original account number, and the date of assignment. 
Verification of Debt : In accordance with 15 U.S. Code 1692c, please provide documentation that proves your authorization to collect on this debt. 
Under 15 U.S. Code 1692g, you must cease all collection activities until you provide the requested validation and proof of your authority to collect this debt. 
Please respond to this request within 30 days from the date of this letter. If you fail to comply with this request, or if you continue to pursue collection activities without providing the required validation, I will consider this a violation of the FDCPA and will take appropriate action to protect my rights. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Subject : Debt Validation Request Under FDCPA Dear XXXX XXXX XXXX, I am writing to request validation of the debt you have contacted me about. Pursuant to 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information : Proof of Debt : Please provide me with a detailed statement showing the amount of the debt, including an itemized account of all charges and payments made to the account. 
Assignment Contract : If you are not the original creditor, please provide me with the assignment or transfer contract showing that you have been legally assigned the right to collect this debt from the original creditor. This contract should include the original creditors name, the original account number, and the date of assignment. 
Verification of Debt : In accordance with 15 U.S. Code 1692c, please provide documentation that proves your authorization to collect on this debt.

Under 15 U.S. Code 1692g, you must cease all collection activities until you provide the requested validation and proof of your authority to collect this debt. 
Please respond to this request within 30 days from the date of this letter. If you fail to comply with this request, or if you continue to pursue collection activities without providing the required validation, I will consider this a violation of the FDCPA and will take appropriate action to protect my rights. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on it. Please remove these accounts from my report as it is damaging my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving the complaint. This fraudulent, inaccurate, and false information consists of a mobile account open on XX/XX/XXXX to XXXX, a XXXX XXXX account open on XX/XX/XXXX and an unknown line of credit for XXXX XXXX last reported on XX/XX/XXXX These accounts and other personal information that was used resulted in several fraudulent hard inquiries on my credit profile. I've attached a list of the fraudulent inquiries in questioned " I have went through all of my credit reports to identify the unknown activity. The aforementioned accounts, collections, and hard inquiries appearing were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results from the identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT SYSTEM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Dear Sir/Madam, I am writing this letter to dispute the veracity of an alleged eviction record appearing on my credit report. Previously, I disputed this identical account with the credit bureaus. Their reply, however, was that the account had been " verified '' with NATIONAL CREDIT SYSTEM. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, your company has the obligation to ensure that any data reported on my credit profile is both accurate and complete. Furthermore, pursuant to the XXXX XXXX XXXX guidelines developed by the XXXX XXXX XXXX XXXX, data furnishers are mandated to report complete and accurate information about each account to the credit reporting agencies. 
In view of these legal requirements, I respectfully request that you furnish any documentary evidence that you have in your records, which you believe validates the derogatory information under dispute. 
I anticipate a response to this challenge within 30 days from the date of this letter, as mandated by the FCRA. If you are incapable of producing the requested documentation, I kindly insist on the prompt elimination of the eviction record from my credit report. 
Thank you for your prompt attention to this matter. I eagerly await a swift resolution. 
Yours Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: AR

Complaint narrative:
XXXX shows duplicate loans for five of my student loans with Mohela. I have submitted a dispute request with XXXX. However, XXXX only allows me to dispute one loan at a time. At least that is how their dispute form appeared at the time I filed it. Which is simply mindboggling. I want all the duplicates to be dropped. This should be done with care as to not disrupt the original record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: GA

Complaint narrative:
I am writing to dispute the following accounts on my credit report, as they have violated my federally protected rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. The details of the accounts are listed below : List of Accounts to be Disputed : 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  These accounts have violated my privacy and confidentiality rights as protected under the following provisions of the FCRA : 15 U.S.C. 1681, Section 602 ( a ) : This section explicitly grants me the right to privacy, and the presence of these accounts on my credit report without my consent constitutes a violation of that right.

15 U.S.C. 1681, Section 602 ( a ) ( 2 ) : This section states that no consumer reporting agency can furnish information about an account without my express written instructions. I have never provided any written consent for the furnishing of the above accounts.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits consumer reporting agencies from including any adverse information, except for criminal convictions, that is older than seven years. The accounts listed above contain adverse information that is either outdated or in violation of this provision.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section states that a person shall not furnish any information relating to a consumer if the person knows or has reasonable cause to believe that the information is inaccurate. The information regarding these accounts is inaccurate and should not have been furnished to any consumer reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: GA

Complaint narrative:
I am writing to dispute the following accounts on my credit report, as they have violated my federally protected rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. The details of the accounts are listed below : List of Accounts to be Disputed : 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 These accounts have violated my privacy and confidentiality rights as protected under the following provisions of the FCRA : 15 U.S.C. 1681, Section 602 ( a ) : This section explicitly grants me the right to privacy, and the presence of these accounts on my credit report without my consent constitutes a violation of that right.

15 U.S.C. 1681, Section 602 ( a ) ( 2 ) : This section states that no consumer reporting agency can furnish information about an account without my express written instructions. I have never provided any written consent for the furnishing of the above accounts.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits consumer reporting agencies from including any adverse information, except for criminal convictions, that is older than seven years. The accounts listed above contain adverse information that is either outdated or in violation of this provision.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section states that a person shall not furnish any information relating to a consumer if the person knows or has reasonable cause to believe that the information is inaccurate. The information regarding these accounts is inaccurate and should not have been furnished to any consumer reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : FCRA Violation Misuse of Credit Report Dear Equifax, I am writing to formally address a serious concern regarding the misuse of my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

I discovered on my credit report that your company closed my revolving positive credit card account that I've had for over a year, and it is in good standing 's nobody gave you the right, or written consent to close that account. That account is not closed on my XXXX, or XXXX report. Clearly this is misusing of my credit report which is a violation of the Fair Credit Reporting Act. This incident has caused me significant distress and XXXX negatively impact my creditworthiness. 

Under the FCRA, I have the right to dispute any inaccurate or unauthorized information reported on my credit file. I kindly ask that you fix, and restore my account at your earliest convenience. I request a copy of any documentation that supports the access to my credit report. 

Please confirm receipt of this letter and provide me with updates regarding your investigation. I expect a response as required by the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely CFPB PLEASE MAKE EQUIFAX FIX MY ACCOUNT AND CREDIT SCORE CLEARLY Misuse OF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving the complaint. This fraudulent, inaccurate, and false information consists of a mobile account open on XX/XX/XXXX to XXXX, a XXXX XXXX account open on XX/XX/XXXX and an unknown line of credit for XXXX XXXX last reported on XX/XX/XXXX These accounts and other personal information that was used resulted in several fraudulent hard inquiries on my credit profile. I've attached a list of the fraudulent inquiries in questioned " I have went through all of my credit reports to identify the unknown activity. The aforementioned accounts, collections, and hard inquiries appearing were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results from the identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief