vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 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: FL

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report 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 2023-08-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX. I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report 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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Line of Credit Contract Number XXXX is missing payment history information and the balance owed is incorrect. 

The payment history should be updated and the actual balance remaining should reflect XXXX. 

XXXX. My address should also be updated to reflect XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I mailed in the address request XX/XX/2023 and it is not reflected in the system with any of the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: MI

Complaint narrative:
I received a letter from Discover Financial dates XX/XX/XXXX that stated they received an application to open a Bank Account but were unable to verify the information and rejected the application. I NEVER APPLIED FOR A DISCOVER BANK ACCOUNT. IT WAS AN ATTEMPT TO USE MY IDENITY BY SOMEONE ELSE. I called Discover and they did nothing to help me identify the source of the application. I asked for a copy of the application in order to see if there was a piece of information on it that would help identify the person who submitted it. They claimed they did not have the application and referred me to XXXX to put a stop on requests for my credit information. This is the second time someone has attempted to use my identity with a financial institution. You are the agency designed to protect consumers from financial fraud. I want Discover to provide a copy of the application that was rejected so I can see if anything on the application can identify who submitted the application. DON'T GIVE ME A BUNCH OF DOUBLE TALK. Help me to get to the bottom of who has attempted to steal my identity. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
received a lawsuit concerning a loan that went to collections. I spoke with the lawyer representing the collection agency and they agreed to close the account citing fraud and said they would contact the credit agency to get the account removed from my credit. they informed me even with lawyer request it would stay on my credit until 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 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I was scammed by a potential job.XXXX  XXXX is the person who I was in contact with in regards to the job and the money transfers. I was told that the company ( XXXX XXXX XXXX ) would send me the equipment for the XXXX  XXXX XXXXXXXX XXXX job but they would send me a check for {$2000.00} first. Then once I receive the check, I would need to deposit it then would need to send money to the people who would put the software in the computer. So, I received the check on XX/XX/23. Then I was advised to start sending the money to these certain people through XXXX due to XXXX wasn't working. So, on XXXX I would XXXX XXXX XXXX XXXX. Then XXXX XXXX XXXX XXXX and then another XXXX. Then advised to transfer the remaining XXXX to myself for a sign on bonus. Then on XXXX I would find out that the check that I deposited came back as a fraud. I then in turn filed a dispute with the bank and filed a police report in regards to this scam. I just was notified that the bank denied my claim due to me using XXXX they aren't responsible for the funds sent through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/23 I reported my card lost/stolen also made a police report and funds was stolen from my account so I contacted cashapp about my charges followed their instructions and I never received a copy of their investigation only a denial email after minutes reporting it with my police report number. So cashapp deactivated my account so making disputes. Not only that I never received my money back that was stolen no report from there so call investigation not they only want me to continue to send and receive money from account to account.. I want my money back that got stolen which they was supposed to protect once they seen 5 bitcoin 5 airlines 5-6 stores transactions back to back with odd amounts up to XXXX in my account at XXXX at night while I was one the phone reporting my account stolen..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited XXXX different checks totaling roughly {$160000.00} on XX/XX/23. We have have had deposit holds before ( every once in a while ) but surprisingly all XXXX checks were put on hold until XX/XX/23, including a {$50000.00} cashiers check! I also deposit millions of dollars of checks every year, so this was a shock to say the least. 

I tried contacting Bank of America see what their reasoning was for putting a hold on XXXX individual checks all at the same time. I spoke to a manager, and they had no clear explanation or logical reason that could ever possibly apply to all XXXX checks. I have many people to pay before the hold is released, and this is quite ridiculous that they can put a hold on these many checks all at once.

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 2023-08-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged 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 2023-08-22 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: FL

Complaint narrative:
After 16 years as a loyal account holder with Bank of America they closed my account with no explanation 3+ years ago. I have contacted multiple departments to try to receive the funds that were in the account at the time of the closure {$4200.00} and was ultimately told they would be held indefinitely with no timeline for release or explanation. 

Representatives spoke to most recently regarding the release of these funds being wrongfully held : XX/XX/XXXX XXXX floor manager XXXX XX/XX/XXXX XX/XX/XXXX manager XXXX XXXX Next day opening XXXX XX/XX/XXXX XXXX XX/XX/XXXX supervisor XXXX claims to be calling me back today. 
XXXX called back Friday .. no resolution XX/XX/XXXX XXXX says XXXX calling back once she is off call XXXX XX/XX/XXXX Called back XXXX get another supervisor as no call back was made spoke to XXXX escalated to supervisor XXXX XXXX asked to be connected to supervisor above him XXXX leaves me on hold for over 20 mins ignoring me. Another 30 mins on hold transferred to XXXX XXXX supervisor

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 2023-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
The loan with XXXX XXXX was written off due to XXXX XXXX damage to my property during installation as well as their breach of contract in installing upgraded windows, refused to allow manufacturer to come inspect after installation. Repeatedly ignored emails when trying to rectify the situation, wrote to the owners and attorney and never received a response. The charge was removed from my credit report for years, now all of a sudden LVNV Funding LLC is contacting to collect. They have called my phone so much that I had to block their number, they email me several times throughout the month. Additionally, there are incorrect dates/no dates of the original loan provided. XXXX XXXX  has fraudulently reported and sold my personal information to LVNV Funding LLC without my written consent. In accordance with the Fair Credit Reporting Act, this has violated my rights under 15 USC 1681 602 states I have the right to my privacy. I have attached documents showing proof, my emails and letters sent to them of me trying to resolve the issues, as well as documentation showing that LVNV has incorrect/no date of original loan and numerous emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: NC

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
**I AM SUBMITTING ADDITIONAL DOCUMENTATION PROVING THAT THE CHARGE WAS FRAUD** XX/XX/2023 : I was fraudulently charged {$1700.00} for an XXXX XXXX XXXX XXXX TN purchase. I did not authorize or make this purchase. I have never had a contractual relationship with XXXX or XXXX XXXX XXXX XXXX TN. 

XX/XX/2023 : I made a claim with Chase stating that I did not authorize/make this purchase. 

XX/XX/2023 : Chase responded that they would NOT credit my account stating We found that the transaction ( s ) was processed according to the information you provided or was authorized. 

XX/XX/2023 : I immediately called Chase stating that I would like to appeal this decision as I have NEVER RENTED FROM XXXX in my life. I have absolutely no knowledge of this charge, and I have no contractual relationship with XXXX. Chase told me to dispute this with XXXX. XXXX in return told me that since it was Fraud, legally, only Chase could do something about it. 

XXXX told me that legally, because this was a fraudulent purchase, I would have to go through Chase to get my funds back. 

XXXX provided me with the rental agreement for this purchase of {$1700.00}, which shows that I did not enter into a contractual relationship with XXXX ; it shows another person who did instead. I do not know this person and I did not authorize this person to charge my card for this transaction. 

I have uploaded a copy of the rental agreement which proves beyond a reasonable doubt that the {$1700.00} withdrawn from my checking account was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: NY

Complaint narrative:
I have consolidated all of my loans & they are now with MOHELA from Direct Loans. I went to XXXX XXXX  as well as XXXX XXXX. I was offered forbearance multiple times & have been on it for years now. I spoke to someone that I was referred to from my teachers ' union, XXXX XXXX XXXX, & I was told by one of their representatives that my situation looked like something called forbearance abuse. He advised me to reach out to the Ombudsman Group & I did so. My case number with them is XXXX. I reached out to them periodically only to be told they were " still investigating '' or that I should fill out a PSLF Reconsideration which I also did. I am not sure what is going on but I am afraid that since this has gone on now for so long that it will be really bad once XXXX rolls around. I need someone to reach out to me & maybe make an appointment to speak because I am very very concerned. My email is XXXX & my mobile number is ( XXXX ) XXXX. If someone can please help I would appreciate it. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control.

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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-08-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
I had a vehicle loan through Wells Fargo Dealer Services. I did struggle to keep up with payments, but was trying to resolve that issue with them when they repossessed my XXXX XXXX XXXX without proper notice on XXXX XXXX XXXX Once the car was in their possession, every attempt I made to reinstate the loan was denied, and I ended up losing car. I feel like they failed in their duty to provide notice of potential repossession as well as to negotiate in good faith regarding reinstating the loan.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX has been taking payments every week when they are supposed to be taking payments every XXXX weeks. They are reporting that my payments are behind but can not provide me the proof. This has affected my credit to where I have been denied a home loan. They continue to harass me and call me daily about a balance that is past due when in fact it is paid and they are not updating the payments on their end. I have sent them multiple letters and even called them to fix this on my credit and they still refuse. Hopefully me filing the complaint will work.

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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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