vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GLOBAL CREDIT UNION

Complaint narrative:
To summarise the events to date, I lived in Alaska  XXXX, during which time AK USA Federal Credit Union was my only bank. When I left AK in XXXX, I maintained that bank account and made my last deposit into it in XXXX, shortly before I moved overseas. Since I have been overseas, I have contacted AK USA annually to learn the interest income to enter onto my US tax return. During each phone call I have told the AK USA representative that the reason for my call was that I was unable to access the information electronically and that I was living overseas. AK USA e-mailed me this information in XXXX, but all other contacts have been by phone, most recently ( before this year ) in XXXX. 

At no time did any AK USA representative give me an inkling that my account status was in jeopardy. No AK USA representative told me that my account balance would be remitted to the state if I did not make any withdrawals or deposits. AK USA has also been sending me regular e-mails with XXXX XXXX, none of which I have ever been able to open. Neither by e-mail or by phone or by letter was I ever informed that my money would be anywhere other than in the bank to which I had entrusted it. 

Yesterday when I made my annual phone call to AK USA to learn my interest income, I learned the outrageous news that my money had been remitted to an unspecified state ( it took an hour for the bank representatives to learn that the state was AK ) in XX/XX/XXXX. I asked what help AK USA ( whose name I did not know had been changed to Global Credit Union ) would help me in getting me back my money. I never had any knowledge or gave any consent for this money to be removed. During the course of the 2-hour XXXX call , I was placed on hold multiple times, told that the research team was out to lunch ( at XXXX AK time ), and ultimately given two websites and wished the best of luck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting 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: LEXISNEXIS
State: PA

Complaint narrative:
have made three separate requests to receive my report from LexisNexis, as indicated in their profile, but I have not received it either by mail or email. This issue has persisted since XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from such account ( s ). These companies are commenting Securities Fraud by utilizing the securities and selling them on the secondary market without consent and ultimate commenting Securities Fraud and tax evasion.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from such account ( s ). These companies are commenting Securities Fraud by utilizing the securities and selling them on the secondary market without consent and ultimate commenting Securities Fraud and tax evasion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
XX/XX/, I applied for a personal loan with Discover, whom I have a credit card with. I applied because they notified me that I qualified for up to XXXX in personal loans. I applied and within hours I was denied. Then discover sent me an email that had my XXXX score wrong and wrong information from my credit report. When I called Discover and spoke to their rep the next day, neither the supervisor nor her subordinate could explain the false basis upon which the loan was denied. Because my credit is excellent and all the information Discover used to deny the loan was pretextual and false, the only conclusion I can draw is that Discover red-lined me via zip code and race. My credit is excellent and I literally just purchased a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: VA

Complaint narrative:
Recently I was looking into my credit and what I saw caused me severe panic. When I saw the false and baseless claims that were being reported on my credit report it sent me into a tailspin of panic and XXXX and has been really affecting my life in a negative way ever since. It is clear that the time and effort was not taken to ensure that the information being reported on my credit was absolutely and 100 % accurate and I need this corrected 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 2024-01-17 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: NJ

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
their bank accounts that are not mine from XXXX XXXX XXXXtried disputing it with XXXX  without an outcome

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: NY

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2024-01-17 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Violation of FCRA law in regards to Experian needing to remove an account that is the result of identity theft. 

A financial company called XXXX has an account with my name on it that is the result of identity theft. It needs to be removed from my credit report. Evidence that I have sent in : * multiple FTC identity theft reports from early XXXX to recently in XXXX * police report that I originally filed * call logs from early XXXX when I called to cancel * they also conveniently get disconnected every time I call into talk to them * emails from their customer support and legal team that the account was closed * multiple collection agencies that they try and send this too look at the evidence I send and remove their claim as they see it's clearly fraud, and not surprisingly XXXX never responds, and then sends it to some other collection agencies * they have tried to push blame on this to XXXX XXXX in Arkansas * the Arkansas banking department confirmed they aren't really involved * the California banking department forward the CFPB complaints too, again with no response, but claim they can't do anything because XXXX is under the Federal Reserve * the Federal Reserve said they violated laws and this was clearly fraud/theft * they have tried to change their name on my credit report ( attached ) - several times I had XXXX XXXX  as the reported account name instead of XXXX  - you can look at the past requests I sent in to Experian to remove that after I spent multiple tens of hours on their support line confirming the actual XXXX XXXX has none of my information * XXXX agrees this if fraud and don't trust XXXX so they quit accepting their submissions for my report * XXXX agrees this if fraud and don't trust XXXX so they quit accepting their submissions for my report * And the company they partnered with ( XXXX  ) for this card has filed bankruptcy ( XXXX  ) and a lot of the key dates related to that ( full timeline here ) are in the summer and fall of XXXX when the fraudulent charges kept showing up on the card that I asked to close in early XXXX. It seems the most likely answer is they lost a ton of money due to this deal and are trying to pass on losses/expenses to former card holders.

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 2024-01-17 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: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
As explained previously, I am currently on the XXXX plan and have made the required payments each month since XX/XX/XXXX. However, each month my remaining interest balance has not been waived as required by the terms of the federal XXXX plan. This has caused my principal balance to go up each month, while interest continues to accrue, which means I am paying only against the interest each month instead of the principal as would occur if the remaining interest were properly waived after each month 's payment. This is also causing me to pay interest that wouldn't be required otherwise, as it would have been waived. I've reached out several times to Mohela, most recently via email on XX/XX/XXXX and only just received an email back on XX/XX/XXXX. The email notes that : " Thank you for contacting MOHELA, We apologize for any confusion. Please be advised that the Saving on a Valuable Education ( XXXX ) plan eliminates 100 % of remaining interest for both Subsidized and Unsubsidized loans after a scheduled payment is made under the XXXX Plan. This will only apply if the monthly payment amount established does not cover the monthly accumulated interest. For example : If {$50.00} in interest accumulates each month and you have a {$30.00} payment, the remaining {$20.00} of interest would not be charged. 

If your monthly payment amount is {$0.00} on the XXXX plan and you do not make a payment for that month, the interest that accrues throughout the month will not be charged. Please keep in mind that you may still see interest accruing daily on your account, however on the XXXX of each month for the month prior, that interest that accrued for the prior month will be cleared. '' Note the last sentence is directly contrary to what is occurring. I asked why my interest was not being waived as per MOHELA 's own words in this email and have not received any response. The lack of communication is clearly in bad faith and contrary to what they themselves say should be occurring. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-01-17 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2024-01-17 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: CA

Complaint narrative:
I was reviewing my credit report the other day and was thrown into a XXXX XXXXXXXX when saw the number of inaccuracies being reported on my credit. These errors are affecting my life far too much all because the baseless and unauthenticated items and information that is being reported on my credit report without any proof. I need this information investigated and these errors corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: DE

Complaint narrative:
I have signed up with XXXX due to seeing many people advertising the product and so I've ordered the kit and tried it out, of course assuming that it will fix my teeth how it was advertised. Two months past and I haven't seen any progress with using the XXXX XXXX, yet to mention, the aligners assigned to my teeth were an uncomfortable fit and didn't fit the structure of my teeth. I have tried contacting the company to reach out regarding this frustration and haven't received a response. As time went by I received a letter in the mail regarding the company XXXX and the mail stated that I owed a debt of {$1900.00}. I would like to appeal {$1900.00} regarding me wanting to cancel subscription and was unable to receive the proper help needed. Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have went to court about this account and it was dismissed because of I did not owe the company anything they drop the case with XXXX XXXX XXXX which is the original creditor. And Experian is still refusing to delete this account from my consumer report they have gotten me and my family put out of our home because of these damages they have caused failure to read my documents correctly this is directly from my judge in court they told experian to delete this account immediately and Experian fail to do so and I know as a consumer they are supposed to report maximum accuracy on a consumer report at all times and now I am seeking to sue Experian for ignoring me and my judge in the courts statements. They need to delete this account 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 explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I had account with XXXX XXXX which there where two account XXXX. Which I have already paid in full 2years ago XXXX XXXX also gave me a payment history. Which shows a XXXX balance on both accounts. Now I a letter from a collection agent Sequim Asset Solutions stating that I own XXXX XXXX which I already given them proof of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I filled out a 1099A form for Navy Federal, which the IRS accepted on XX/XX/year>. As a result, it has now become a certificate of indebtedness that is considered as income. Please update my account ending in XXXX and confirm that it has been paid as agreed by all third-party agencies and send me copy B so I can properly complete my taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-01-17 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: NC

Complaint narrative:
Equifax Inquiries I didn't authorize and Equifax refused to help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX  I noticed 2 debt collections on my credit report that is not mines XXXX XXXX XXXX Opened XXXX {$230.00} XXXX XXXX XXXX  Opened XXXX {$440.00}

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