vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a complaint against TransUnion for reporting an alleged debt associated with XXXX on my credit report without providing adequate validation. Despite my request, TransUnion has not provided any documentation proving the legitimacy of this alleged debt. 

Details of the Complaint : Disputed Debt : XXXX account as reported by TransUnion. 
Nature of Complaint : Alleged debt reported without proper validation. 
I am formally requesting TransUnion to provide all relevant documentation proving the validity of the alleged debt, including any signed agreements, contracts, or records of communication between XXXX and me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: FL

Complaint narrative:
I HAVE PREVIOUSLY DISPUTED ACCOUNTS THAT WERE OPENED FRAUDULENTLY DUE TO ME BEING A VICTIM OF IDENTITY THEFT. THIS COMPANY HAS IGNORED MY REQUESTS, ALTHOUGH I HAVE PROVIDED PROOF OF IDENTITY, A POLICE REPORT, FTC REPORTS, AND FILED A CFPB COMPLAINT PREVIOUSLY. I HAVE SINCE FILED AND WON A LITIGATION AGAINST XXXX FOR THEIR SIMILAR MALICIOUS TACTICS NEGATIVELY IMPACTING MY LIFE. I HAVE REACHED OUT TO EQQUIFAX MULTIPLE TIMES AND EXPLAINED THAT THEY HAVE BROKEN THE LAW BY REPORTING THESE FRAUDULENT ACCOUNTS ; FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. TODAY XX/XX/23 I SPOKE TO A REP AND SHE TOLD ME THAT THEY HAVE PREVIOUSLY REACHED OUT TO THE COMPANIES IN QUESTION AND THAT EQUIFAX DOESN'T DELETE ACCOUNTS OVER THE PHONE WHICH IS A LIE BECAUSE THEY HAVE DONE SO IN THE PAST. THE FCRA STATES THAT NO ITEM CAN BE REPORTED ON MY CONSUMER REPORT WITHOUT VALIDATION AND/OR MY PERMISSION. SO THAT IS ALSO A VIOLATION OF MY RIGHT TO PRIVACY. I HAVE NO CONTRACTS WITH THE ACCOUNTS LISTED ON MY FTC. I HAVE REACHED OUT TO ALL THE COMPANIES AND REQUESTED A WET SIGNATURE OR ANY PROOF COLLECTED TO VERIFY IT WAS ME WHO REQUESTED TO OPEN AN ACCOUNT WITH THEM ; THEY HAVE NOT BEEN ABLE TO PROVIDE ANYTHING, SO WHAT INVESTIGATION IS BEING DONE BY EQUIFAX IF THE COMPANIES THEMSELVES HAVE STATED THAT THEY DO NOT HAVE ANY PROOF? I SENT ANOTHER FTC, POLICE REPORT AND A LETTER TO EQUIFAX ON XX/XX/23. AND ON XX/XX/23 I RECEIVED A LETTER STATING THAT MY FTC REPORT WAS " NOT VALID '' BECAUSE OF MISSING INFORMATION, WHICH IT WASNT. HOW COULD IT BE " MISSING INFORMATION '' IF I FILED IT ON FTC SITE? THIS COMPANY IS COMMITTING BLATANT FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Contacted Comenity Bank in XXXX by Phone as they are overstating my overall debt by {$14000.00} showing that I have two accounts with them. They confirmed that this is correct however they could not and would not correct the issue with XXXX until I sent a letter into them in detail stating the same issue that I called about. I wrote their Credit Dispute Department in XXXX XXXX in detail as to the issue as instructed. I also filed four disputes with XXXX Credit reporting and they advised me every time my dispute was rectified and corrected which it has not. I contacted XXXX as Comenity Bank claims it is their error in reporting. My XXXX XXXX report and XXXX are correct only showing one account however XXXX as of today shows two accounts with the same number and same amounts. XXXX refuses to correct the issue and referred me back to Comenity Bank. I contacted Comenity bank again who verified there were two accounts reported and that I only have one account yet they refuse to correct it and deny they ever received communication from me. I have now sent the letter by Certified Mail the second time. I am tired of contacting Comenity Bank and XXXX Credit Reporting. If this is how these two business 's operate someone needs to look into their practices and their failure to correct their errors thus affecting my credit report and overstating my total debt to others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I submitted a payment on XX/XX/2023 to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX XXXX XXXXXXXX, 2023. After sending my information to the credit bureaus on the XXXX XXXX XXXXXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21 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: MI

Complaint narrative:
This company is reporting inaccurate and or incomplete, unproven, NON- COMPLIANT ACCOUNTS INFORMATION. I dont recall having any business transactions or dealings with these companies and or original creditors listed on 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 2023-12-21 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:
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. 

Account Name : 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 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 2023-12-21 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: 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 has violated my rights. Or 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 2023-12-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a XXXX mo CD with Citi that matured on XX/XX/XXXX. I started receiving marketing emails and snail mail telling me I had XXXX high rate savings options that I must decide on by XX/XX/XXXX. These materials all referenced my CD by number! 
I immediately tried contacting Citi to review my options. I called every customer support number I could find, but as soon as I select banking it wants my ATM number. I don't have one. Literally have called dozens of numbers dozens of times and had been unable to reach anyone who could help with my CD since I started trying on XX/XX/XXXX. No Bot offered an option to convert CD. Tried calling nearest branch ( XXXX miles away ) multiple times but auto attendant told me nobody was available and sent me right back to the main auto attendant! Dial XXXX doesn't work on any phone number. The bot won't give you a human. Dozens of transfers, few live agents that were extremely difficult to understand but none could help with this. Today alone I started trying every possible means to contact someone at XXXX west coast time. It is now XXXX XXXX and I finally found someone to CLOSE MY ACCOUNT! They told me that the grace period XXXX!! Again, I haven't been able to reach anybody to convert CD since XX/XX/XXXX. I needed to put some of the money into my checking account and the rest in savings. Because of the horrible customer service, I was forced to closed the CD and take a {$700.00} penalty all because there's NO CUSTOMER SERVICE HUMAN AGENT AVAILABLE! 
This is the worst example of a big corporation actively removing the option to speak to a person. Worst customer experience ever! Today is XX/XX/XXXX, it matured XX/XX/XXXX and that day, and the 20 days before, I could NOT reach anybody. 
If you don't live close to a branch, NEVER USE Citibank for accounts. It's impossible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
This has been on my report for 12 years, since XX/XX/ Ive disputed many times,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: CA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC, continues to place incorrect information on all of my credit reports, including XXXX, XXXX, XXXX and XXXX. I have never had an account with this company. I have never signed a contract with this company. I have told this company that if they claim that I have signed a contract with LVNV Funding LLC, to send me a copy of the original contract with my original signature. They can't provide that because I have never signed any contracts with LVNV Funding LLC. I want this fraudulent information removed from all of my credit reports and for LVNV Funding LLC to refrain from putting this information on any of my credit reports in the future and I want it removed from all my credit reports within 30 days. They are knowingly trying to adversely affect my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On Tuesday XX/XX/XXXX, at XXXX, I submitted a " Next business day, {$0.00} fee, ACH XXXX XXXX XXXX XXXX cutoff time '' using my personal Bank of America checking account. 

As of Thursday XX/XX/XXXX, after XXXX, the recipient hasn't received the funds. Have called several times Bank of America and they can not explain the reason why ACH transfer was not received during the promised timeframe by the recipient 's bank, XXXX. 

Money has been debited from my account as far as I can see in my Online Banking Account. 

After several calls and speaking with different departments, from Consumer Accounts, to Fraud Department, they always answer mentioning " I am the right person to assist you with this '' and they have not been able to proof where my money is and/or expedite the transfer.

Bank of America does not provide you with a proof of ACH transfer showing exact details, account number and/or routing number to be able to track the ACH. I requested for that and they mentioned that will be delivered after XX/XX/XXXX. 

Also, the status in the Online Banking portal of Bank of America is inconsistent in different views, some showing status as " Cleared '' and other as " In Process ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
XX/XX/2023 My name is XXXX XXXX and I have asked my sister to help me send an email to you asking for you help with Wells Fargo whom I was banking with for I have no internet at the place where I am living just electricity. 
My troubles started earlier this year when someone hacked my account with Wells Fargo, filling out XXXX of their online loans and attaching it to my name and account from XXXX. Then all XXXXXXXX XXXX XXXX when on XX/XX/2023, I deposited a Cashier cheek in the amount of {$10000.00}, everything checked out at the bank when I put the money in my account. However, by XXXX the same day I get a text from Wells Fargo stating that they have closed my account claiming fraud. Today I get another text from Wells Fargo saying I now owe them {$10000.00}. I have spent a lot of time on the phone arguing with them about this problem with no end in sight. I am left with no money for my bills and other expenses. Not to mention they canceled my charges I made at XXXX and XXXXXXXX XXXX  where I spent the money for food and water. I am living in a XXXXXXXX XXXX XXXX where I must keep water in the storage tanks so that my pipes do not freeze up. I live off my social security check and my ex-husbands military retirement check. With this account closed I have had to try and get they sent to a new account but there is no guarantee that my money will get into the new account by XXXX. The sad thing about this problem is I am not the only one Wells Fargo has closed accounts on using fraud as an excuse. To me this is stealing the money that belongs to their customers. Wells Fargo is now saying I own them {$10000.00} then it was {$320.00}. I ask before leaving the bank how much would be available for me to use to get food and water, the cashier said {$400.00} so I left the bank and went an bought groceries and water, later that same day the fraud department text me and said my account was closed. Now I have no way of accessing my account and no money to pay bills or gas or anything else. 
You can reach me by text only at XXXX Thank you for all your help with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Dear Ally financial, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802.

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