vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
On XXXX XXXX XXXX I filed a complaint against I.C. System, Inc. for making a report on my credit file about an alleged debt without sending me ANYTHING regarding the debt. I made it clear in the report that the alleged debt being on my credit report was not the only thing I was disputing, but the debt in its entirety. 
In the response to the complaint, I.C. System submit
ted a letter they allegedly sent to an address that was never mine. They also claimed to have sent me a text message I never received. 

On XXXX XXXX XXXX, I received a letter from I.C. System, Inc., dated XX/XX/, saying that they investigated my dispute and were unable to verify the information. They further stated in paragraph 2 of the letter that, " Our attempts to verify this debt as due and owing will continue ... '' They are using the date of the complaint to CFPB as written notice of a request for validation per FDCPA, which was on XXXX XXXX XXXX It is now, XX/XX/. This is more than 30 days. ONLY 30 days are alloted by the FDCPA to verify a debt, or permanently cease ALL collection activities. These people are violating FDCPA by continuing to verify the alleged debt beyond the 30 days.

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 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: KS

Complaint narrative:
About a week ago, I went to XXXX with my wife. When we got home from XXXX, I took a nap and woke up to multiple notifications about my credit card getting charged from XXXX XXXX, XXXX, XXXX  totaling to around {$2000.00}. I called my bank and reported it as fraud and my card was stolen. U.S bank did give me my money back but a few days later they took back their provisional credit and said I was liable for the charges. I know that I didnt make these charges and need help from you guys badly. Thank you

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 2023-11-16 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: NY

Complaint narrative:
I wrote already a letter to XXXX and Experian regarding personal information incorrectly reporting on my credit report but I've never lived or associated with the addresses they are reporting. I want these addresses that they're reporting removed from my report.The only address that I have lived at for the past 12 years is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. The incorrect addresses that they are reporting are as follows : For Experian they're incorrectly reporting this addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 
For XXXX they're incorrectly reporting these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. Lastly, for Experian they're reporting my name inaccurately as " XXXX XXXX '' and I don't go by that name at all. Please have someone look at this. I made an FTC report and I sent to each agency after instructed to by them and nothing was done.

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 2023-11-16 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: MA

Complaint narrative:
I have sent all three of the credit reporting agencies and XXXX XXXX XXXX, a letter requesting validation of the debt letter Under XXXX XXXX XXXX ( c ) and XXXX XXXX ( a ). I have sent XXXX, XXXX, and Transunion letters asking to validate the debt, not by simplifying accepting codes ; I request that the XXXX XXXX XXXX verify them. I have also mailed XXXX Resorts a letter, which was signed and dated XX/XX/23, and I have not received any validation letter within 30 days. I have sent proof to XXXX and XXXX showing evidence that the company has not validated any debt or sent me anything in writing. Both credit reporting agencies only sent me a code request for the XXXX time. The law clearly states that XXXX XXXX XXXX XXXX - XXXX in case of disputed accuracy. 
( a ) Reinvestigations of XXXX XXXX ( XXXX ) Reinvestigation Required ( A ) In general, subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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 by paragraph ( XXXX ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


You are now notified that you have violated XXXX XXXX XXXX, and this account should be deleted immediately ; the credit reporting agencies are not following the law given to the consumer or creditors to abide by.

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 2023-11-16 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: MA

Complaint narrative:
I have sent all three of the credit reporting agencies and XXXX XXXX XXXX, a letter requesting validation of the debt letter Under XXXX XXXX XXXX ( c ) and XXXX XXXX ( a ). I have sent XXXX, Equifax, and XXXX letters asking to validate the debt, not by simplifying accepting codes ; I request that the XXXX XXXX XXXX verify them. I have also mailed XXXX Resorts a letter, which was signed and dated XX/XX/23, and I have not received any validation letter within 30 days. I have sent proof to XXXX and Equifax showing evidence that the company has not validated any debt or sent me anything in writing. Both credit reporting agencies only sent me a code request for the XXXX time. The law clearly states that 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general, subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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 by paragraph ( XXXX ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
You are now notified that you have violated 15 USC 1681i, and this account should be deleted immediately ; the credit reporting agencies are not following the law given to the consumer or creditors to abide by.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
I tried to edposit a check on XX/XX/XXXX, but after a while ( XX/XX/XXXX ) the bank said it was returned. The return reason was : Refer to maker. In the same day I called the check issuer, Citizens Bank, to check what happened, but they said they could not provide me with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/, I filed a case with PayPal Credit ( Dispute : XXXX ) due to the item ( glasses frames ) I received being fraudulent and a fake. When I went to contact the seller about the item, there was no option for this to be handled nor a way to communicate that the item was not real. The seller took well over a month to get the item to me and due to delays with XXXX XXXX I wasn't able to finally start using my glasses until late XXXX. I filed my claim with PayPal Credit and they stated I needed to get them additional information but I had no information to give them. I showed them screenshots that there was no option for me communicate with the seller and that the frames were showing degradation ( which should not be happening when worn for less than a week ). I don't know what more I could have supplied PayPal when they requested more information. In the end, PayPal denied my claim stating : " We have reviewed this transaction ( s ) and are denying your case ( s ). The decision was made because we did not receive a response from you with supporting details for the case. '' I gave all the details in the initial complaint to them and had nothing additional to offer.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: NC

Complaint narrative:
My personal information was stolen XXXX, a police report was made, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and was informed that my public records were preventing me from being approved. I have no affiliation or knowledge of these properties being placed on my credit profile. After researching I've requested account verification from listed agencies, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts to my public records without my knowledge and consent are violating 15 USC 1681. I've previous contacted these agencies : XXXX XXXX, CoreLogic, XXXX  XXXX, XXXX XXXX, and XXXX requesting that accounts from these properties : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-16 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: NC

Complaint narrative:
Equifax Information services is reporting XXXX XXXX account ending in XXXX on my credit file with a balance of {$11000.00}. This is inaccurate and false. I do not have a XXXX XXXX account with such a balance, and it also shows more than 4 late payments, which is also inaccurate. I called the equifax representative today, the fraud department, and the representative told me he already had a copy of my ftc report with the account in question on it. he informed me that he will remove this account, but i do not see a dispute raised to remove the account. I also called XXXX XXXX today on two occasions but they refuse to answer my calls. this has happened in the past also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-16 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: NC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-11-16 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: NC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: IN

Complaint narrative:
I am writing this with the utmost urgency to draw your attention to a matter of the presence of fraudulent personal information and unauthorized inquiries associated with my identity. Upon a thorough review, I have noticed certain items that have been inaccurately attributed to me, without my consent. This has left me profoundly distressed and deeply concerned. Regrettably, I've become a victim of identity theft, compelling me to take action to report this incident.

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 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The company suddenly closed my accounts without notice beforehand or after. They suspended my XXXX brokerage accounts and denied me access to my records offline and online. I called several times requesting the documents be mailed to me and a valid reason for closing down my accounts, the representatives essentially just hang up the phone after saying they could not access my accounts since they have been closed. Without any reason or notice they closed my accounts and kept my records. I have to file my taxes and without those I can not do so because I will run afoul to the IRS. I am appalled at the level of incompetence and rudeness of those people.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Bank XXXX XXXX XX/XX/2023 Bank XXXX XXXX XX/XX/2023 Bank XXXX XXXX XX/XX/2023

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 2023-11-16 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: NY

Complaint narrative:
I have had 2 major incidents with Nelnet loan holder and want my formal complaint to be received and reviewed with care. The first issue was when my payment of {$45000.00} disappeared from my payment portal and yet the money was transferred out of my account. It took Nelnet 2 months to reflect the payment and in the first 2 hours on the phone they refused to provide any documentation that payment was received and would eventually clear. It was only after being transferred 3 times and in the later half of the 2nd hour on the phone was I finally able to get some documentation the payment was processing. 

Now, having paid all my loans in XXXX of this year, I saw a notice that I now had {$1000.00} due. This was an alarming error. I called and was again on the phone for 2 hours to finally be told it was an error and a ticket to correct the error was getting issued. No documentation was provided to me. I was told it would take 6 weeks to reflect the correction. No apology. I can't help but think this error of a new FALSE balance due is happening on other accounts and it seems like fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
please see 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 non-monetary relief