vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I approved XXXX mortgage lenders do pull my credit for a loan. Within 24 hours I now can not stop the phone calls to my new cell number from lenders who the credit bureaus have sold my info to. I went and opted out now but its too late. I has XXXX phone calls to my phone in XXXX hours. XXXX! My phone is still ringing all days from solicitors while I am trying to work. It is completely unacceptable they are allowed to sell my personal data without my consent. I should have had to OPT IN, not out. This has got to be stopped. I have no way to stop the harassment from marketers now.

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 2023-08-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I received a letter from this company today saying I owed {$17000.00}, but without any information saying who the debt was from. I called the number provided and the representative confirmed that it was a student loan debt, but she couldn't say from who or when. I pointed out that it looked like a scamespecially when I don't remember taking out any loans with themand it was very probable that they were out of the statute of limitations for my state, just like everyone else that has tried to collect on me over the last year. ( XXXX XXXXXXXX, people. Look it up before trying to collect on a XXXX! ) She said I could send a notarized cease and desist letter to [ email excised ], and I said, " Yeah, and that's going to cause you to waste paper, ink and postage to send me a huge packet of papers that only confirms that you're in the wrong, at which point I'll contact the Consumer Financial Protection Bureau to make you go away. Excuse me while I skip straight to that last part. You have a nice day. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: Navient Solutions, LLC.
State: AK

Complaint narrative:
I am not sure why this continues to happen, but it SHOULD NOT be. Dept of EDXXXX has popped up on my credit reports as having a student loan of {$35000.00}. I attended XXXX XXXX XXXXXXXX XXXX in Tennessee in XXXX. The loan was originally with Navient. It has been paid in FULL. I have documentation showing that. Somehow, XXXX started reporting in XXXX  and after some back an forth and the documents from Navient showing it was paid in full, they took it off my reports. Now, after almost 4 years, it is back with Dept of EDXXXX ... . I am so tired of fighting this and people being allowed to just throw XXXX onto my report with NO proof, no contact with me, the reporting agencies just let anyone say " they owe me '', and they will report ANYTHING whether true or not and mess up people 's lives. I want this taken off for the LAST time! How is a PAID IN FULL student loan from 25 years ago being put back on my report time after time. People REALLY need to fact check. The report agencies SHOULD NOT be allowed to report something from this long ago, especially when PAID in FULL. I think because my information keeps getting pushed around, the agencies seem to think it is " new ''. Regardless, it needs to come off immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It has taken well over 30 days for credit reporting agencies " XXXX XXXX, Equifax '' to remedy this issue! They have failed to respond I sent out my disputes on XXXX XXXX. I stated that I am disputing the amount of {$21000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, 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 2023-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Someone fraudulently applied for a Best Buy credit card and account using my personal information on XX/XX/2023. On XX/XX/2023 I received a letter from Best Buy Credit Services informing me of a denial of application due to my SSN not matching the SSN on the credit bureau report. The consumer reporting agency used was XXXX. Due to the letter I received I was made aware of the fraudulent inquiry and credit card application using my personal information. I immediately got a credit report from all XXXX, XXXX ; XXXX ; XXXX, consumer reporting agencies and filed a dispute with XXXX which showed a Hard Inquiry with CitiBank NA., Best Buy made on XX/XX/2023. I will be filing a police report and be taking all necessary steps in order to have this fraudulent hard inquiry removed from my credit report. Credit report freezes and locks are in place since being aware.

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 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: NE

Complaint narrative:
About a week and a half ago I called Regions Bank to close my account as I no longer live near a branch. The first representative told me I could only close an account in person and when I told her that wasnt possible she hung up on me. I called back and the second representative told me I could close the account by phone once the balance was under {$1000.00}. I then went through their verification for my other XXXX XXXX  account so I could make a direct transfer of the remaining funds. Once the other bank was verified I proceeded to try and withdraw the money. They blocked the withdrawal. So I called a THIRD time and they told me that they couldnt remove the block without me going to a branch. I explained AGAIN that I lived almost XXXX miles from the closest branch and wasnt making an XXXX roundtrip journey. I asked to talk to a supervisor. The representative first told I couldn't speak to anyone else. I kept insisting, so she tried EIGHT times to put me through to someone who could help me. After 45 minutes on the phone we both gave up. About 2 hours later they then RESCINDED my verification I had already completed, then blocked all online access to my account. I couldn't even check my balance or transactions. I called for a FOURTH time, this time to remove the block on my online account and they told me they couldnt give me access without going to a branch, because they couldnt verify my identity. This was after they had taken me through two levels of security questions, the second including the street I lived on almost 25 years ago and the age range of my ex-husband. I was left with no other option but to withdraw the money from the ATM, costing me {$5.00} for each withdrawal for a total of {$35.00} in fees, when I could have made a direct transfer for only {$3.00}. They have FINALLY closed my account after two more calls, bringing me to 6 CALLS and 7 trips to the ATM in order to close my account, all of this to withdraw less than {$2000.00}. Insane.

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 2023-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
This company is keeping my funds in their account after I submitted multiple forms of identification and the bank statement and verified the rest of the information with them. Now they arent responding to me and I am no longer able to call them. They are not allowing me to withdrawal {$14000.00} out of my account after they terminated my account and closed it. Please help me resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: IL

Complaint narrative:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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 2023-08-10 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: IL

Complaint narrative:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX  upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I hold a Bank of America bank account in the United state with with an account number : XXXX. Several days ago it sent XXXX fraud transactions through XXXX to an unknown XXXX account in XXXX without any notifications. 



Below are the transaction information I got from XXXX  Bank Name : - XXXX XXXX - XXXX XXXX Account Number - XXXX XXXX - XXXX Country : - XXXX transaction reference number provided by remitly : XX/XX/XXXX ( XXXX dollars ) : XXXX XX/XX/XXXX ( XXXX dollars ) : XXXX After I reported the incident to XXXX bank and XXXX cybersecurity department and blocked the hacker 's bank account and froze the XXXX transactions in XXXX, I received several blackmailing emails which threatened me to expose my school credential information and bank account. The hacker also held an illegal website which conducting illegal hacking activities : XXXX XXXX XXXX Hire A Hacker Rent/Hire Verified Hackers At Affordable Price For Email Hack XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Hack 100 % Safe And Secure Payment Method Genuine Result XXXX  The IP address found for the website is : XXXX The IP address found for the email is : XXXX I disputed the XXXX transactions several days ago while the investigation team said they don't have enough information to prove these are involuntary transactions and since the money has reached the hacker 's bank account, bofa can't compensate me my loss. While right now since I've reported to all the relevant US police departments and have enough evidence to prove that those are not voluntary transactions, and I also have the money frozen from XXXX XXXX side, I'm wondering if it is still possible to get my money back? 



the relevant documents are attached to the email, thank you so much in advance for your help.

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 2023-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I bought a vehicle from XXXX XXXX XXXX XXXX XXXX. For the entire year of XXXX I payed on the vehicle. I fell behind a couple times, but always came up with the money to catch up. Due to family issues XX/XX/XXXX of XXXX the car was repossessed. For the first 4 months the company reported to the credit bureaus that I was missing payments. I had to dispute this with the credit agencies for them to report accurately to no avail. Finally the account was closed with XXXX XXXX XXXX reporting a {$10000.00} balance was false. After asking them if the car was in auction or sold I was met with false information. Turns out the car was sold months before. XXXX XXXX XXXX finally reported that I owed XXXX this is after I'd seek legal assistance. This does not reflect any of my payments or the sale of the vehicle. XXXX of the finance staff told me that they'll make sure I cant get another vehicle with false reporting. This company is awful and poor and illegal loan practices. I'm seeking proof of the vehicle sale and date and for them to report accurately of the true balance of the vehicle. I've emailed them several times and no one has gotten back to me. This is hurting my score and making it impossible to get another vehicle. please help

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 2023-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-08-10 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: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-08-10 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:
For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on XXXX separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp, No. 95-6445 ( C.D. Cal Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

Company response to consumer: Closed with explanation