vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
please refer to my previous complaint number XXXX and the blatant LIES by Sofi in their response. I have also attached emails proving that i reported this a s fraud as well as well as email directly to the president of sofi. On XX/XX/XXXX i had an a conversation with sofi and i eventually spoke with XXXX XXXX, an account manager in their delaware office, who assured me a fraud investigation was being opened. He would not give his last name. I have also attached a partial list of my phone calls to sofi in te file marked sofi proofs. Would anyone believe that i spent HOURS on the phone with sofi and NOT reported fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: NJ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnionXXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$390.00} ; XXXX  XXXX Balance : {$7200.00} ; XXXX  XXXX Balance : {$3500.00} ; XXXX  XXXX XXXX Balance : {$860.00}

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 2022-05-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXXEquifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$390.00} ; XXXX  XXXX Balance : {$7200.00} ; XXXX  XXXX Balance : {$3500.00} ; XXXX  XXXX XXXX Balance : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: NJ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. ThXXXX XXXXn/TransUnion/XXXXx Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXL XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2022-05-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have recently submitted to your company certified letters containing police reports, identity theft declaration of facts, and a signed document from the Federal Commission Trade # XXXX. To notify your company that I am a victim of identity theft, and that the account you are reporting on my credit files are fraudulent. You are in violation of my consumer rights and these accounts should be removed immediately. 
I have sent several certified letters to your company asking can you verify these accounts, I've asked you to send me proof that these accounts are mines, yet you have failed to respond to my letters and verify these accounts, yet you continue to report to the credit bureaus that these fraudulent accounts are unknown to me and I have no knowledge of these accounts. Please remove these accounts immediately. 

The following accounts should be removed immediately : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$530.00} Date Opened : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: NJ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnionXXXXXXXX Credit Bureau failed XXXX comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX  XXXX Balance : {$7200.00} XXXX XXXX  XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$860.00}

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 2022-05-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXXXXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$390.00} ; XXXX  XXXX Balance : {$7200.00} ; XXXX  XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
We established overdraft protection for our checking accounts at Bank of America that included cascading feature to draw funds from several accounts to ensure checks or echecks were paid with out overdraft fees. When we saw fees hit on XXXX, we contacted the bank and they stated it had not been set up properly, but it had been set up properly. We were charged {$70.00} ( two {$35.00} fees ) while having over {$30000.00} in savings and other checking accounts where we routinely move money electronically. Additionally, the first account in the cascade was our HELOC account, which we had leveraged for other purposes. Bank of America chose not to notify us that the protection was no longer available. Again, the bank chooses paths to ensure fees can be charged.

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 2022-05-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXXt Is a Fraud account this account has already be file with the FTC previously here is a new FTC file number for this account FTC report numberXXXX Also I have a right of privacy 15 USC 6802 and 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The XXXX XXXX Account is showing inaccurate on the amount due on 2 bureaus, XXXX reflects a balance of {$200000.00}. XXXX reflects a different balance of {$200000.00}. Equifax reflects a balance of {$200000.00}. 
This account also shows that a foreclosure was initiated in XX/XX/2021, that is also inaccurate. The balance was paid in full on XX/XX/2021 so it should not be reporting a foreclosure being initiated in XXXX. This account also shows late payments that are different on all bureaus. This XXXX account also shows different payment amounts as well on all bureaus.The inaccuracies from the XXXX account effects my credit report, score and XXXX ratio. I have attached documents for review

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: GA

Complaint narrative:
The XXXX XXXX Account is showing inaccurate on the amount due on 2 bureaus, XXXX reflects a balance of {$200000.00}. Experian reflects a different balance of {$200000.00}. XXXX reflects a balance of {$200000.00}. 
This account also shows that a foreclosure was initiated in XX/XX/2021, that is also inaccurate. The balance was paid in full on XX/XX/2021 so it should not be reporting a foreclosure being initiated in XXXX. This account also shows late payments that are different on all bureaus. This XXXX account also shows different payment amounts as well on all bureaus.The inaccuracies from the XXXX account effects my credit report, score and DTI ratio. I have attached documents for review

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 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I moved out of my old apartment almost a year ago and was told by them that I was paid in full. About six months ago I started to get harassing phone calls everyday while I was at work as well as constant voicemails. Around a month ago one of the collectors got rude with me and proceeded to yell at me before I hung up. Ive tried to contact the apartment complex on multiple occasions for months now. Just now succeeding a few weeks ago.

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 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/22 a banking error was made by PNC bank to my account in the sum of {$2400.00} check # XXXX. This check was in the amount of {$240.00} and a banker input it incorrectly. They said it would be fixed on Monday XX/XX/22 and it still has not been fixed as of XX/XX/22. I have called and gone down to the bank personally to try to rectify this situation to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XXXX XXXX I found National Credit systems on my report and it is inaccurate 15 U.S. Code 1681 -. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX I found National Credit systems on my report and it is inaccurate 15 U.S. Code 1681 -. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet have these accounts flagged numerous time in my credit file as late. These account have never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
In accordance with the fair credit reporting act convergent account number 's listed below have violated my rights. 

15 USC 1681 section 602 A. 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. 


Accounts XXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XXXX Balance {$32000.00} XXXX XXXXXXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$8200.00} XXXX XXXX XXXX XXXX  This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$400.00} XXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER : XXXX Act. # XXXX Date XXXX Balance {$3000.00} XXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$570.00} Date XXXX XXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$4400.00} Date 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 non-monetary relief
Consumer complaint received 2022-05-04 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: Sezzle Inc.
State: TX

Complaint narrative:
Theyre reported this account 180 days past due and that is incorrect. It also still shows as owed and owing a balance which is incorrect. I also do not remember to agreeing to them reporting to the credit bureaus. This is a buy now pay later app. Ive tried reaching out to them and its really hard to get in touch with anybody or to have things escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
The hospital & my insurance company has reach out to them and they spoke to them also but they have not pulled this out if collection saying give them 30 to 45 days I do not believe I should have to wait that long when the hospital has clarified that it was never sent and that this is not my bill because I do have insurance on file and that it was a mishap on their part!! Why should they still allow my credit to be tarnish after 2 years of harassment not one letter stating I could had the right to dispute but just forceful calls demanding pay when I tried explaining my insurance situation servals times. I call the hospital after my last argument with this company and to my avail I sure did not owe abd Im being turned down on homeowners ship due to this the other collection agency has removed theirs already and both was reached at the same time with the same information they just want to drag me and my homeowners ship process along which is not fair by law my rights has been violated from this company

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