vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-26 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: Nelnet, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The information that your company, Department of Education Nelnet ( DEPTEDNELNET ) student loan, is still reporting to my XXXX Credit Report does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX, XXXX  XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating officer that this matter would be handled by one of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. DEPTEDNELNET student loan, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to XXXX. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. 

Fraudulent Negative Accounts : DEPTEDNELNET 9 late payments {$0.00} Closed Account info Account name : DEPTEDNELNET Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Account status : Closed Payment status : Paid or paying as agreed Status updated : XX/XX/XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX Original amount : {$20000.00} Past due amount : {$0.00} Terms120 Months ResponsibilityIndividual account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has contacted me regarding an alleged debt. I sent a cease and desist letter, and an .Affidavit of Truth. I sent an second cease and desist advising XXXX XXXX XXXX XXXX of violating my rights as a consumer under 15 USC 1692 g,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: AL

Complaint narrative:
XX/XX/XXXX I sent a set of dispute letters out to all three credit bureaus. I received my letters back from the other two and got 31 out of 59 items removed. Some of those same accounts were also on my Equifax. However, when I reached out to Equifax after the 45 days in XXXX they said they hadn't received anything. I sent another set out to all three credit bureaus this time certified XX/XX/XXXX. The tracking number stated that Equifax received them XX/XX/XXXX at XXXX XXXX. However, when I called them in XXXX after the 45 days they stated that they haven't received anything from me, and that they haven't received any letters from me since XX/XX/XXXX. This was even after I told them that I tracked it and etc. They refuse to provide me with my credit report updates and continue to state that they hadn't received it. I couldn't find the tracking paper but I did save the tracking number below our pictures of the tracking number as well as a picture showing the time and date that they received my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent out letters on XX/XX/2021 in reference to inaccurate reported late payments on my student loans that are showing on my credit report. This information is misleading and false. I always make my payments on time as agreed. It has been approximately 45 days and I still have not received any communication. My information was also compromised and impacted by the XXXX data breach. It has been well over 30 days, and in section 611 ( a ) it states, that a failure to investigate these items within this time frame will result in immediate removal of these items from my credit report. I demand these late payments be immediately removed or I will seek litigation.

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 2021-12-26 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:
I am a victim of identity theft. The information that your company, Department of Education XXXX ( DEPTEDXXXX  ) student loan, is still reporting to my Transunion Credit Report does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX, XXXX XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating officer that this matter would be handled by one of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. DEPTEDXXXX student loan, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to Transunion. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. 

Fraudulent Negative Accounts : DEPTEDXXXX 9 late payments {$0.00} Closed Account info Account name : DEPTEDXXXX Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Account status : Closed Payment status : Paid or paying as agreed Status updated : XX/XX/XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX Original amount : {$20000.00} Past due amount : {$0.00} Terms120 Months ResponsibilityIndividual account

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 2021-12-27 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : WELLS FARGO BANK Account number : XXXX Date opened : XX/XX/2021 Account status : Open Status updated : XX/XX/ Account type : Credit Card Payment status : Current Balance : {$7900.00} Balance updated : XX/XX/ Credit limit : {$9000.00} Usage : 87 % Monthly payment : {$100.00} Highest balance : {$9600.00} Terms : Revolving Responsibility : Authorized User

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 2021-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: MO

Complaint narrative:
On XXXX it is showing a new debt of {$840.00} I do not owe and this company is unknown to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Blockchain.com, Inc.
State: FL

Complaint narrative:
Long story short i began mining bitcoin in XXXX or XXXX let the computer mine by itself for years forgot all about it at the time bitcoin was worth les then XXXX cents i also had penny stocks and XXXX  i also inevested with a mining pool had basket shares in somthing or another anyway i found out bitcoin was worth XXXX XXXX day XXXX or XXXX started trying to find my accounts this is where my story takes a twist i was fairly certain i was a being tracked monitored on all my cyber activity alot of crazy things a phone turning on by itself downloading things without a sim card things of that nature i was ready to throw in the towel and then i see online on XXXX i think about a address that was under constant attack by hackers for the last 3 years just so happens i have a receipt with that being my change address from a transactio i made in XXXX so i follow the protocall and file not 1 but 2 complaints with the fbi through the XXXX what a XXXX joke i call the fbi again haha my local sheriff ftc consumer protection you guys this is prior to XX/XX/XXXX last year back to my complaint a couple days later i read someone hacked the account again somewhere on XXXX then it was made public the government siezed the account and now 13 almost 14 months later i still have gotten no input from any agency i feel like my rights have been violated XXXX i should also mention it was XXXX bitcoin valued over a XXXX dollars at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I was the victim of fraud on XX/XX/2021 in the amount of ~ {$1200.00} and Ally bank refused to pursue the disputed transaction saying that it was an authorized transaction. I have filed an XXXX complaint as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
My Bank account with Bmo Harris Banking Had Fraudulent and suspicious activities Since XX/XX/2021. I was going to use my bank card and it said declined as i opened my bmo app on my cell phone I noticed that i could not do anything with my account and saw the fraudulent activity. i went to the branch and spoke with the banker and i was advised to go make a police report that the Fraud investigator was not in the office at the time and had to wait to be contacted by banker that was speaking with the fraud department. I honestly don't know why the bank if they noticed the suspicious activities, they didn't automatically contact me and spoke with me about the situation and also why they didn't put a freeze and a and suspension on the account. around the beginning of XXXX I was called back from the banker explaining to me taht XXXX XXXX from the fraud department said that nothing couldn't be done to help me out on my situation and that my bank account was getting closed and that I was going to be held liable for the fraudulent activities on my account and had to pay {$3000.00} at the time.

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 2021-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank has had a error on showing accurate account balance, they post my check payment late and once they are posted NOT pending all my credit card payment go in to negative status but my card transactions are still posting the next day citi bank than reverse all my posted check to add up to my bank transactions and charges me overdraft and reverse check fee. I opt out on overdraft but they never let my bank card transactions post in negative they just start reversing all my electronic check payment without my permission. When I call to complain about my bank card transactions they tell me I ran my card when it was zero and that impossible because due to me not being enrolled in overdraft they dont allow me to do when I ran my bank card funds were available. Than the next day when they reverse the bank check and post credit card they tell me other story making it my fault. Banks are supposed to be more consistent and accurate and they cant reverse posted payment without permission

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 2021-12-26 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:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX XXXX XXXX Account number : XXXX Date opened :XX/XX/2021 Account status : Open Status updated : XX/XX/2021 Account type : Credit Card Payment status : Current Balance : {$7900.00} Balance updated : XX/XX/2021 Credit limit : {$9000.00} Usage : 87 % Monthly payment : {$100.00} Highest balance : {$9600.00} Terms : Revolving Responsibility : Authorized User

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 2021-12-26 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: CA

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2021 Account status : Open Status updated : XX/XX/2021 Account type : Credit Card Payment status : Current Balance : {$7900.00} Balance updated : XX/XX/2021 Credit limit : {$9000.00} Usage : 87 % Monthly payment : {$100.00} Highest balance : {$9600.00} Terms : Revolving Responsibility : Authorized User

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 2021-12-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
The claims in the amount of XXXX and also the claim for XXXX and the lady claim which is for XXXX needs to be fixed you guys have denied me for months now my claims are being approved but none is fixing the claims that put me in the negative this is my life i have nothing I can barely test some days because Bank of America refuses to do what is right and n my behalf and when they do they are still making me suffer with the negative balance under my account I am not trying to get you guys in trouble or anything I am just asking that you please put my money back where it belongs you guys have acknowledged the freaks under my account which is why I received the letter from you Guys please I just need to feed my child and my fianc please fix my account we had to skip XXXX this year because of this situation I have to choose between feeding my child and giving her gifts it was not fair to me or her I need answers I need my money please at least fix the claim for XXXX please!!!

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 2021-12-26 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: MS

Complaint narrative:
For several weeks, I have repeatedly asked Equifax XXXX XXXX XXXX XXXX, XXXX and XXXX to objectively resolve my credit issues relative to hard inquiries which shouldve been reported as promotional or soft inquiries. I have also reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX chime in which is my bank from my understanding one of my family members or friends someone other than me to transferred two amounts {$500.00} and {$2300.00} of my money out of my bank account. I immediately contacted the bank they refused to stop payment. The reason I use banks is to keep my money safe not because I wasnt aware of not saving passwords to my devices until my phone got stolen I was not aware how to use the XXXX password saver correctly in which any one in our household or visiting could get my information and log into my account.

Company response to consumer: Closed with explanation