vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I took out a small short-term online loan with XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX. The loan amount was {$800.00}, and the repayment was {$260.00} per month for a period of 6 months. 

I fell behind on the payments of this loan after making the first payment. 

There are two issues that I have had with this account. The first being the inaccurate/false credit reporting information throughout this process, and the second being that I paid off the account through XXXX in XXXX of XXXX, and XXXX  XXXX continues to report this account with an open balance. 

The first issue is the inaccurate reporting. This account reports as an open account XXXX days late, This reporting is false, and it is done to maximize the damage to my credit score. The date of last payment per the credit report is XX/XX/XXXX, yet the reporting as of XX/XX/XXXX on my Equifax and XXXX report the account XXXX days late with a balance of {$2300.00}. 

The second and most important issue is that this account was paid off XX/XX/XXXX in the amount of {$810.00}. This account was paid through XXXX  on behalf of XXXX, XXXX, with the original creditor being XXXX XXXX XXXXXXXX XXXX XXXX. I have attached the confirmation of payment as well as emailed correspondence with XXXX. 

I expected the account to be updated to reflect the payment, but it has not been. I disputed this information with the credit bureaus, and XXXX  XXXX has refused to correct. I have made multiple attempts to resolve through XXXX and XXXX XXXXXXXX through email and phone calls, but I have been unable to get any type of resolution. XXXX  XXXX is reporting this account open and unpaid, yet I have provided all of the documented proof of payment. I have been requesting this correction for over a year. 

XXXX  XXXX is doing a great deal of my harm to my credit, This company is not working in good faith, I have satisfied this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: NY

Complaint narrative:
all three credit bureaus is reporting incorrect information regarding XXXX XXXX XXXX XXXX for a total of {$600.00}. This account is paid in full and it needs to be correct XXXX XXXXXXXX XXXX XXXX for a total of {$600.00}.

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 non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
all three credit bureaus is reporting incorrect information regarding XXXX XXXX XXXX XXXX for a total of {$600.00}. This account is paid in full and it needs to be correct XXXX XXXXXXXX XXXX XXXX for a total of {$600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
all three credit bureaus is reporting incorrect information regarding XXXX XXXX XXXX XXXX for a total of {$600.00}. This account is paid in full and it needs to be correct XXXX XXXX XXXX XXXX for a total of {$600.00}.

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 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
THRU THE XXXX XXXX XXXX XXXX XXXX  I GOT CONNECTED TO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ), THE GROUP COUNTED XXXX TRADERS, WHO PARTICIPATED IN TRADING CONTRACT WITH CRETOR OF THIS GROUP PROFESSOR XXXX XXXX WHO WAS PROVIDING TRADING SIGNALS AND EDUCATED THE GROUP IN TRADING.I WAS INVOLVED IN TRADING WITH XXXX  XXXX FROM XXXX XXXX XXXX INVESTED AND PAID SERVICE FEES XXXX ATTEMPTED 3 TIMES TO WITHDRAWAL MONEY, THEY LOCKED 3 TIMES MY ACCONT TO PAID THEM SERVICE FEES XXXX AND I PAID ALL.THEY PROMISED THAT MY ACCOUNT BE UNLOCKED AND I CAN WITHDRAWAL ALL MY MONEY WITH XXXX ATTEMPTED FOURTH TIMES AND THEY XXXX AGAIN, THEY WANTED TO ME PAID ANOTHER XXXXFOR UNLOCKED MY ACC.I STOPED WITH THEM AND REPORT SCAM TO XXXX XXXX POLICE, MY REPORT # XXXX I REPORTED SCAM TO FEDERAL TRADE COMMISSION, REPORT # XXXX, ALSO I REPORTED FROUD TO MY CITIBANK ALL WIRE TRANSFERS XXXX WHAT I DID THRU MY CITIBANK.

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 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
someone hacked into my PC and stolen the login credentials for my Bank of America account. He/She enabled XXXX  transfer feature into my amount under my phone XXXX. He/She made 2 transaction of amount XXXX total on XXXX XXXX XXXXXX/XX/2024 XXXX ( XXXX $ ) and XXXX, XXXX XX/XX/2024 XXXX ( XXXX $ ). I did not get any alert into my phone as a text message or mobile app notification. I got to know these transaction next day when i was checking my emails. Then i called the back immediately and asked to o pen the case. 

Bank of America investigation team told me that these two transactions was authorized using my phone text message code and they closed the case. But i have asked them to open the case again because i have not received any text message at these two times of the transactions. I have called XXXX XXXX XXXX XXXX as well to check if these was any text message delivered aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX and the response was NO. Till date i have not head anything from them. 

XXXX case number : XXXX Bank of America case number : XXXX XXXX NJ Police case number : XXXX Please check the attached documents as well.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in XXXX XXXX highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.

Please make all listed below update or deleted in 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 2024-04-19 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: OH

Complaint narrative:
I just obtained a copy of my credit report and noticed the following errors. 
XXXX XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX I do not have a contract with this company. 
Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation.

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 2024-04-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
This lady came over the house representing Flagstar Bank my wife was coming out to do an errand and the lady call out from XXXX XXXX XXXX my name XXXX I have it on video my wife told her was going on she said its about your mortgage youre behind on some payments but she couldnt say no more and gave my wife this letter from the mortgage company. My wife was so embarrassed because my neighbor was Outside. Now we all feel humiliated and embarrassed by the bank actions when I already had made arrangements to pay on the XXXX XXXX XXXXXXXX. I did call today the XXXXXXXX XXXX XXXX they denied that I had made any arrangements and that the lady did not represent the bank

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 2024-04-19 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX. 
Account Number : XXXX Inquiries : XXXX XXXX XX/XX/year> : DEPT OF ED XX/XX/year> :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accountson my report.Please remove these account from my report, they are hurting 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 2024-04-19 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: NY

Complaint narrative:
There are multiple hard inquiries I see here in my account that I did not authorize or know about down below will list them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 are all the ones I did not approve there are connected and reported to all the major credit bureaus they all repeat and connect with XXXX, TransUnion and XXXX they all repeat for each hard inquiries I I would appreciate if these can be removed as I did not authorize or consent to these at all.

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 2024-04-19 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: NY

Complaint narrative:
There are multiple hard inquiries I see here in my account that I did not authorize or know about down below will list them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 are all the ones I did not approve there are connected and reported to all the major credit bureaus they all repeat and connect with equfax, XXXX and XXXX they all repeat for each hard inquiries I I would appreciate if these can be removed as I did not authorize or consent to these at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: Nelnet, Inc.
State: FL

Complaint narrative:
Since the initiation of this school loan in XXXX, I have consistently made efforts to stay informed about its status and dispute all related payments with Nelnet. Initially, I had requested the original school loan contract agreement showing my valid signature be submitted to me. I then can meticulously review the terms and conditions of the school loan to understand the repayment schedule, and any associated requirements. However, throughout the years, no from of proof that I truly owe this school loan debt has been sent supporting this claim. 
Moreover, I have maintained open communication with the school loan service provider Nelnet, promptly addressing any inquiries or concerns that arose. In terms of payments, I have prioritized meeting the monthly installments until XXXX to ensure that the school loan remains in good standing. Despite facing financial challenges at times, I have defaulted on payments, but always strived to fulfill my obligations in a timely manner. Additionally, I have explored various options to optimize the repayment process, such as enrolling in automatic payment plans or seeking refinancing opportunities when feasible. In instances where unexpected difficulties have arisen, such as temporary financial setbacks or changes in personal circumstances, I have proactively communicated with the school loan service provider Nelnet to explore potential solutions. This may have involved requesting temporary forbearance or negotiating revised payment plans to accommodate temporary hardships while ensuring long-term sustainability. Also, this has included researching and applying for school loan forgiveness programs or assistance initiatives that align with my circumstances. I have also taken steps to enhance my financial literacy, seeking guidance from financial advisors or attending workshops to better understand strategies for managing debt. Overall, my approach to resolving my school loan account since XXXX with Nelnet, and the Department of Education to remove that account from my credit report due to being misled by the school advisors, has been characterized as my responsibility, diligence, and proactive engagement. I am committed to fulfilling my obligations and will continue to take all necessary actions to ensure the successful resolution of this financial commitment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Last XXXX i filed claims of fraudulent and unauthorized activity on my XXXX B of A account The bank reconsidered in my favor and awarded me over {$18000.00} dollars They have yet to pay me what i asked for, which im rightfully due. After hundreds of attempts i am writing a complaint because im being XXXX and XXXX  by Bank of America. I need help retrieving my funds that I deserve

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 2024-04-19 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: TX

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT.PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING 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 explanation