vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have no access to my scores or proof of records from your company at all. y consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: GA

Complaint narrative:
I did not authorize these Inquires and this collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
Navy Federal Credit Union made an XXXX deposit that was solely in my name to an account that I was no longer a joint owner. I had voluntarily submitted my form on XX/XX/2024 and was provided with a confirmation message and email that I had been removed on XX/XX/2024. Since the bank made the mistake of accepting the XXXX deposit and has yet to refund my money or send it back to the originator, I have had to go through ridiculous amounts of being on hold and trying to rectify this situation by other means. I made sure to document this information by downloading the emails and taking time stamped photos in case is mistakenly disappeared. The photos and documentation is time stamped as XX/XX/2024 at XXXX PM. Today, I saw another emessage that indicated this had been closed and that NFCU was not in any way at fault with this email being dated as sent on XX/XX/2024, but the previous emails indicating the date of my joint owner removal had vanished from the emessage list and the link in my email directed me to the emessage page, but not the direct email itself. There is no record of my removal being finalized on XXXX XXXX. It seems like they might be responsible and want no record of any mistake they made. I called today to receive verification of the date that I was removed as a joint owner from the account and was told that I am not a joint owner of any account and that I hadn't been. By the end of the conversation they were checking with correspondence to see if I could receive confirmation for being removed from an account that they indicated may or may not have been a joint owner on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: FL

Complaint narrative:
On 1 of 2 of the Charge Offs the account has repeatedly been updated as charge - off every month. This is an update on the payment history. This inaccurate information falsely manipulates the statutes of limitations. You failed to investigate this account properly and your neglect has violated my rights.

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 2024-04-24 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: FL

Complaint narrative:
On 1 of 2 of the Charge Offs the account has repeatedly been updated as charge - off every month. This is an update on the payment history. This inaccurate information falsely manipulates the statutes of limitations. You failed to investigate this account properly and your neglect has violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I observed inaccuracies in the listed accounts that need to be reported and corrected by your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize these Inquires and this collection company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not authorize these Inquires and this collection company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I had them investigate inaccuracies on my credit report. They finished the investigation and there were still inaccuracies '. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to understand the basis for any determination made during the reinvestigation process. I sent them a letter asking for information and they failed to deliver them in the timeframe allowed by law.

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 2024-04-24 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: TX

Complaint narrative:
I noticed unauthorized credit inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Allied International Credit Corp., (US)
State: AK

Complaint narrative:
Debt has been paid. No need to continue contacting me. I am getting calls at all hours of the day. Today, it was XXXX AM. Yes, I have an XXXX  coast number, but they have an XXXX  address on file for me ( though the incorrect one ), so they are aware I live in a different time zone. No voicemails are left. No response to my email to them last week. Emailed again today explicitly stating to cease all forms of contact to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: NY

Complaint narrative:
TransUnion is reporting a late payment on my credit file from XX/XX/year>. I've continuously asked TransUnion to verify the information and what process they used to verify the information and they just ignore 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 2024-04-24 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: GA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I BANK WITH SUNTRUST BANK, I PROCESSED AN XXXX XXXX PAYMENT ON XX/XX/XXXX FOR THE AMOUNT OF XXXX - ONLY TO FIND OUT THAT THE PAYMENT WAS NOT PERFORMED. 

APPARENTLY, THE BANK INFORMED ME THAT MY ACCOUNT WAS PUT IN A DORMANT MODE BECAUSE OF NO ACTIVITY. 
SOMETHING I DO NOT AGREE SINCE I SEND AND RECEIVE MONEY EVERY MONTH. 

I ASKED WHY WAS I NOT ADVISED ABOUT MY BANK ACCOUNT BEING DORMANT, I WAS TOLD THAT A LETTER WAS SENT BY POST ( NOT CERTIFIED - NO PROOF ). 

I ASKED WHY DID I NOT RECEIVE A NOTICE ON MY TRUIST WEB ACCOUNT WHEN I LOGGED IN TO CHECK MY BALANCES- THE BANK WAS NOT ABLE TO GIVE ME A REPLY. 
THE BANK 'S ACTION MADE PAY A LATE FEE OF ABOUT XXXX $ AS WELL A POTENTIAL LOWERING OF MY CREDIT RATING.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: MOHELA
State: LA

Complaint narrative:
Some how, when trying to set up my student loan repayment with MOHELA. I was connected to a third party student loan company. They changed my FASFA password. I was asked to sign a contract XXXX agreement and make XXXX payments of {$270.00} and a bunch of payments of XXXX. This company is XXXX XXXX or XXXX XXXX XXXX. 
The emails that sends info is XXXX with the name XXXX XXXX XXXX. The money that has been taken out of my account is going to XXXX XXXX XXXX and also XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have been working with a XXXX  management team, XXXX XXXX, to move my funds, various IRA 's including Merrill 's, to XXXX XXXX, via rollovers. We ( XXXX XXXX and myself ) have been working with Merrill since XX/XX/2024 to facilitate the rollover. They had me liquidate, at a loss, all my accounts into a holding cash account, where they have been sitting for almost XXXX  months. Every time we get on the phone, we are told it's processing and should soon be resolved. We have completed, submitted and resubmitted their required forms and there is aways a period with no response, followed by an ambiguous letter stating the transfer was denied. We even completed wire transfer forms under their XXXX 's request, but the funds were still not transferred. I have now been out of the market for XXXX  months, resulting in at least {$15000.00} opportunity loss and there is no end in sight. I want Merrill to release my money in a proper rollover to 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 explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
At XXXX on XX/XX/XXXX, our Discover Bank checking account was hacked, fraudsters called from Discover 's number to state fraud charges, verified my information, though they were already in my account reading off debit purchases to me, turning off notification settings to alert me to wire transfers. My email was spammed, I searched for Discover emails feeling uneasy, and saw a {$21000.00} wire was initiated to XXXX XXXX. I called Discover within an hour of the initial call from who I thought was Discover, they began a XXXX recall. XXXX XXXX called me with a reference # to the wire to confirm, I called back and confirmed it was fraudulent. I was told the next day when I called Discover ( XX/XX/XXXX ) that in the SWIFT recall messaging between banks, Discover had reached out to XXXX XXXX to state the wire was fraudulent and XXXX XXXX had reached back out to confirm. I was told they would stop the money, and once the money was returned, it would go back in our account within 24hr. XXXX XXXX gave me a fraud escalation case #, then said Discover would handle it with them from there. XXXX XXXX has since said they can not give information to me since I do not have an account with them. Discover told us to call for updates, and we have done so weekly for almost 3 months. A coupe of weeks ago on a call, a Discover associate, XXXX, told us she found a form that XXXX requested from DB that was not completed, so the recall was closed. She stated she re-opened it, but this was concerning that someone dropped a ball in protecting our money and following through, so we reported this to the FDIC. Today, I was told again that the initial recall " tracker '' was closed, 8 days ago on XX/XX/XXXX, and that if XXXX sent the {$21000.00} back to DB, we would get it back, but that they were " waiting on XXXX XXXX. '' Not only was our account information breached where someone was able to access our bank account and personal information before any of this, but we notified DB and XXXX within an hour of the fraudulent wire and were told they were able to start the recall. Discover Bank has neglected to protect us as consumers, even though I actively am enrolled in the identity protection services from them. We can not function without that money. Please, someone help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Upon obtaining a copy of my credit report, I was alarmed to discover inaccuracies with my personal information. I noticed additional names and addresses listed that are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: TX

Complaint narrative:
According to the IRS, an unpaid charge off is income. According to the FCRA, income can not be reported on a credit report. I have recieved a 1099-C for the accounts listed here : ( Account numbers XXXX, XXXX, XXXX, XXXX and XXXX ). After checking a copy of my most recent report, it appears these accounts are still being reported. These accounts can not be reported on my credit report ( according to law ), not even to mention violation of 15 US Code 1601b.

I demand these accounts to be removed from my credit report 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 2024-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed unauthorized credit inquiries on my 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 explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation