vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 Committee 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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have received notices from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  about a Dark Web issue, I need to put a freeze on all 3 credit bureaus, I was successful with XXXX XXXX XXXX XXXX but Experian is not willing to help. 

THE ISSUE, No matter what number I call for Experian it all goes back to the same automated voice mail system, with no live operator for assistance. 

ONLINE ATTEMPTS / 12 so far When I go to Experian.com It will prompt you if you have forgot your USER NAME click here, it then says an email has been sent to you to change your USERNAME, over 13 attempts and I have not received a response back at all. It seems apparent that the email Experian has on file for me is incorrect or they system simply does not work. 

All I want to do is access my Experian Account so that I can place a Freeze on it. 

If someone from Experian would simply contact me I would appreciate it.

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 2023-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MN

Complaint narrative:
Good afternoon. I recently went into a branch of US BANK located at ( XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) on XX/XX/2023. I made a withdrawal from my savings account which brought the balance to {$0.00}. I was told there would be a {$4.00} fee for the account having a XXXX balance during the 3 month billing cycle. While I was speaking with the teller, I voiced my concerns and said I would consider closing the account in the future. 

Today XX/XX/2023, is my payday so I went to look on my banking app for the deposit of my check from work. To my dismay, I found that the account in question had been closed without my written authorization. 

I called back and forth with the bank branch and spoke with the bank manager who was able to reopen the account and request the direct deposit not be sent back to my employer. Unfortunately, due to their " policy '' they were only able to grant me access to {$220.00} of the $ XXXX from the direct deposit from my work paycheck. 

They were able to close my account instantly and stop the funds from going into the account but there were not willing to place a full refund immediately to my account even though they admitted the error was on their part. I am filing this complaint because I needed the funds to pay bills which will now be late. 

This was a very frustrating experience and while they did try, they weren't able to provide any explanation other than it was the bank 's " policy '' to not release the funds until the next business day, which will be Monday, XX/XX/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 monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Committee 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 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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 Committee 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 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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX I requested a method of verification for an account that was reporting incorrectly on my profile. I pulled my report and noticed its still showing incorrect. There is a note stating " Account information disputed by consumer, meets FCRA requirements '' but how can this be possible if the account is inaccurately reporting an " Open account '' status on a collection account. In addition, the open date for this account is invalid.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Corporate account beig reporting on my personal Transunion Credit Bureal. I have sent all the docs indication that the account being reporting by Transunion is a corporate account, in addition to many phone calls to this company without any results. Dates that Transunion has been contacted : XX/XX/2023 ; XX/XX/2023 and 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 2023-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My federal student loans service released from Great Lakes  to Nelnet in XXXX. I have received only 1 email from Nelnet to advise me of the transfer. No letters. I have been trying since XX/XX/XXXX to access the nelnet site to review the information and the debt amount now serviced by nelnet and can not access the site. I keep emailing and trying to call nelnet to tell them that I can not access my loan account to no avail. I believe my loan is eligible for additional months/ payment being credited to my loans- and want to know how close I am to being to the 25 years of repayment. How do I find this information out sonXXXX know how many more years I have to pay under my current IDR plan? I also need confirmation that my payments when they start in XXXX will still be around $ XXXX month which is what I agreed to in XX/XX/XXXX when I refinanced my loans and co silicates under the federal program. I have been making payments on my loans since XXXX, if not earlier and think I am closer to the 25 years of repayment period but dont know exactly wheee I am at. I want to know how many More years do I have to make payments under my IDR plan. Also need to have access to the nelnet site. Its ridiculous to transfer these loans and then not have the capability to allow borrowers to access their loans and ask questions about the loan, including verifying the debt amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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 Committee 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 explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

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 Committee 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 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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
In accordance with the fair credit Reporting XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16666B : A creditor may not treat a payment on a credit card account under any open-end consumer credit plan as late for any purpose.

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 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My debit card was lost and money was stolen from my account! I called on a Monday and reported the situation and was told to call back the next day to Escalate it. I called and escalated the situation and was told on Tues that i should receive my credits within 24/48 hours. I called weds and was told that i should check back again the next day ( thurs ). I called on thurs and was told that the 1st person i spoke with on tues Never put in my escalation so the supervisor told me that she was going to escalate it and push my credits through and i should see my credits the next day ( Friday ). I called on Friday and was told i had to submit and written letter and provide proof in order for it to be escalated! I wasted a whole week ( my birthday week ) dealing with this misinformation and still havent received my money back!

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filed a dispute multiple times and they failed to respond past the 30 days required. I am a victim of identity theft this account is a fraudulent account. 
A FTC is attached and was sent to the companies and still nothing. I demand this account XXXX XXXX XXXX XXXX BE 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 2023-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
The Goldman Sachs Bank Marcus has stolen over XXXX XXXX  from me. I opened an account with them a couple months ago, I deposited around XXXX XXXX and it has just sit, a little over a month ago I attempted to make a withdrawal, after I did this they locked my account without providing me with a reason as to why, and told me to contact them. I contacted them easily over XXXX times over the course of the past month and they have just shuffled me around on hold never getting me to speak to anybody who can help, just today I called and they said they have someone who can help me unlock my account and I just need to verify the phone number on the account, I gave them the only phone number I have, the one I verified, my own personal phone number which I am more than confident I know, and they told me it was not tied to any account. Then I called back later trying to change the phone number on the account, and they asked for my name, I gave them my name and they told me they have no record of anyone with an account with that name. So basically, they prevented me from accessing the money in my account and then deleted all of the records of my account. I had put the majority of my savings in here and I can not afford to lose this. It has been over a month and I am beginning to get desperate for assistance, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid 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: CA

Complaint narrative:
On XXXX XXXX I was charged {$4000.00} for a treatment for my wifes XXXX XXXX. The treatment did not work and the doctor has moved to another state so it is impossible to rectify this with the merchant. Basically we were charged for something we did not receive so the problem is with the quality of the goods and services which is covered under the special rule for credit card purchases. Care Credits chat disagreed with this and directed me to complete the attached form with the admonition that not all charges can be disputed.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: RI

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 Committee 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 explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a car with Wells Fargo Dealer Services. It has been charged off and before the account was closed I received several refund checks due to payment posting issues and funds not due. But I still owe $ XXXX and continue to get refund checks. I have called several times to get this issue resolved but they say I still owe them money. I am not paying them anything else. This need to credited and they need to send me the title for the car.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX- XXXX, 2013 not belonging to 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 non-monetary relief