vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 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: MD

Complaint narrative:
The three credit reporting bureaus, XXXX, XXXX, and Transunion have caused identity theft against me. 

Pursuant to 15 USC 1681B ( 2 ), a consumer reporting agency only can report with the written instruction of the consumer to whom it relates. 

According to consume law, I, as a consumer, am supposed to refer to the bureau definition of identity theft. And the CFPB states that " Identity theft '' is when someone uses my name, social security number, date of birth, or other identifying information without authority. 

I never gave any reporting agencies : XXXX, XXXX, and Transunion authority to report anything on my report, but yet they had for years. They have committed identity theft.

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 2022-01-14 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: MD

Complaint narrative:
The three credit reporting bureaus, XXXX, Equifax, and XXXX have caused identity theft against me. 

Pursuant to 15 USC 1681B ( 2 ), a consumer reporting agency only can report with the written instruction of the consumer to whom it relates. 

According to consume law, I, as a consumer, am supposed to refer to the bureau definition of identity theft. And the CFPB states that " Identity theft '' is when someone uses my name, social security number, date of birth, or other identifying information without authority. 

I never gave any reporting agencies : XXXX, Equifax, and XXXX authority to report anything on my report, but yet they had for years. They have committed identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MD

Complaint narrative:
I was trying to maintain good credit history they stated if I pay the balance in full they would remove it from my credit. Balance is a charge off that has been paid to the original issuer of credit XXXX XXXX. This account has been sold to a few different collection company and each company repost it on my credit report. Even with that knowledge I still paid the balance that that said I owed thinking it would clear up that matter so I could move forward. I reach out to them and they said its nothing they can do to clear up this matter. It is still having a negative impact on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I deposited a check in the amount of {$8700.00} into my checking account on XX/XX/2022, at a branch. The bank associate advised a few days for the check to clear, and that {$100.00} would be available that day. The {$100.00} was never made available, and the check has been on a " Special Hold '' that the bank manager advised was " random '' ... that the fraud dept does this with checks. It was a check drawn on a local bank, but I was told that when they called to verify if the check cleared they would not give that information over the phone. I explained to The TD bank Manager ( XXXX ) that it was funds paid to me to cover medical expenses after a fall I had at a XXXX XXXX. XXXX XXXX employs XXXX Claims XXXX XXXX to handle these claims..they processed the check. She advised me that if I had them forward documentation that the check cleared their account, that my funds would be released to my account. XXXX XXXX, the claim manager that sent me the check, advised me the check cleared their bank on XXXX XXXX. I provided that documentation to XXXX on XX/XX/XXXX. I had the Claims Manager that handled my claim email it directly to XXXX XXXX XXXX XXXX - email : XXXX. XXXX has still no released my money. I have made numerous calls to the bank only to be told that there is nothing they can do. I have medical bills to pay and do not want my good credit ruined because XXXX is inefficient and inflexible in handling their business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 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: OH

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry 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 2022-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
My loans originated in XXXX with XXXX to attend XXXX University Online. I was granted a forbearance in XX/XX/XXXX, XX/XX/XXXX, before I made any payments. I called for help because spouse had lost job. I believed my loans to be Federal loans that would be able to get Nursing forgiveness but found out my loans were ineligible. I was never, by XXXX, Sallie Mae or Navient, told I could consolidate my loans into a Direct loan that would qualify for forgiveness. I wasnt made aware of that until last year when Covid came and I didnt qualify for the payment pause or 0 % interest. I did some research and emailed a lot of politicians to complain and listened to multiple XXXX videos. In XXXX of XXXX I completed a Direct consolidation loan and have applied for XXXX. They are telling me I have made 7 qualifying payments right now. I began paying on my loans XX/XX/XXXX with XXXX at $ XXXX. In XX/XX/XXXX they were transferred to Sallie Mae. In XX/XX/XXXX, I called due to financial hardship and was offered forbearance for 6 months from XX/XX/XXXX to XX/XX/XXXX, which was later extended to XX/XX/XXXX, which was extended to XXXX XXXX. In XXXX, I began payments in XXXX to XXXX when I began filing Ch XXXX bankruptcy which was discharged XX/XX/XXXX. My loans were transferred to Navient at some point in XXXX. I resumed payments XX/XX/XXXX and continued until XX/XX/XXXX. I was furloughed due to the Covid Pandemic in XX/XX/XXXX when I called Navient to see if I qualified for the payment pause or 0 % interest I was told my loans were NOT federal loans and did not qualify and they offered me 6 months of forbearance. During all these years trying to pay these loans and years of forbearance no one explained income driven plans ( and still havent ) and during all but 2 of these years, I received NO increases in salary. I have researched and seen that XXXX had to repay billions in loans for bad practices, XXXX University students have gotten loan forgiveness because of the schools bad practices. Now Sallie Mae/Navient are having to discharge loans. I have no way of knowing if my loans are in the ones Navient will forgive. Mine are currently with XXXX and awaiting to see if they count more of my payments as qualifying for XXXX. I have worked at a qualifying hospital for almost 25 years. I was financially XXXX by Sallie Mae & Navient for years. I currently owe XXXX. My original loan balance was XXXX. The payments I have made have all been approx XXXX or more/month. I want to know if my loans should have been included in the XXXX forgiveness or will they be included in the Sallie Mae/Navient debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 1 XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these accounts and inquires.

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 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 Bank of America concluded no fraud was conducted on my account and I was instructed to consult the bank I had funds transferred to. Prior to this fraud had occurred on my account in XXXX XXXX the amount of {$2900.00}. 

This determination was made with no evidence of account history nor was it released to me when I requested to multiple times. I have tried to consult with their claims department, however they say that once the determination has been made there is no disputing it or otherwise.

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My wife is attempting to refinance a mortgage loan. The lender is attempting to contact Experian for a credit report, but they have ( without my permission ) frozen my information. I have attempted to unfreeze it, but their website doesn't fails when I fill out the form and I don't get an option to unfreeze it via phone. There doesn't seem to be a way to speak with a live person.

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 2022-01-14 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( NAVIENT ***** Opened Date XX/XX/2000 XXXX {$0.00} ) This just proves your lack of proper record keeping. Now, this item is reporting to be 30 to 150 days past due, yet it is closed and the balance is zero. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed and no longer active and should have reflected a status of PAID. Provide documentation that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
I have paid this auto loan ( ford motor credit ) that was repo 'd. I paid it in full XX/XX/2019. i need it removed from my credit please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I've recently checked my consumer report and I notice that this company placed an unauthorize inquiry on my consumer report. I suspect that my identity may have been stolen and that a possible crime has been committed by your corporation. There are no open accounts tied to this account on my consumer report, nor did I allow this company to report my personal information to any reporting agencies. Additionally, I am a protected consumer, this company is sending me mail which is a form of communication when I never done business with them before, nor did I get proof of my ignition of the account. I am demanding this inquiry to be deleted from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian 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 : {$350.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance : XXXX Date Opened : XX/XX/2011 US DEPT ED XXXX XXXX : {$0.00} Date Opened : XX/XX/2011 XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX XXXX XXXX {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$450.00}

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 2022-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I pulled my credit profile and noticed an account that I didnt open with a balance of {$110.00}. i notified Bank of America of this situation. i advised them that my identity had been stolen on several other fraud accounts been made. I filed a report with XXXX XXXX Police department case number XXXX. I do not owe this debt. Ive done everything asked of me. Also XXXX number is XXXX. Please remove and delete off my credit profile. Bank of America is hurting my ability to obtain credit, Also has damaged my character

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 2022-01-14 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need to deleted are listed in the report. I am a victim of identity theft and I did not make these charges. I am currently trying to enhance my living conditions for my newborn son, however the items listed in this report is hindering me drastically. I asked that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit.

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 2022-01-14 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need to deleted are listed in the report. I am a victim of identity theft and I did not make these charges. I am currently trying to enhance my living conditions for my newborn son, however the items listed in this report is hindering me drastically. I asked that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
This account is inaccurately and erroneously reported. I want to request for an investigation of this account. 
NELNET XXXX SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} Upon reviewing my updates, incorrect information was found in my reports. Above are the accounts that are reporting on my Credit Reports.Never late on this account How can it be 90 days late without first posting 30 days lates? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. I believe this information may be wrong. I need this removed immediately.

Company response to consumer: Closed with explanation