vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: LA

Complaint narrative:
I did a mobile deposit on XX/XX/XXXX for {$26000.00}. Called the bank XX/XX/XXXX because I needed a new debit card and was told account had a hold. I was told the hold would be lifted on the XXXX. Called on the XXXX again and was told hold was not lifted. I was informed my account was frozen indefinitely. Called back on XX/XX/XXXX for more information and they wouldnt tell me anything. They wont let me access my account at all and wont give me a time frame when my funds will be released. They wont provide me with written documentation either

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 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MI

Complaint narrative:
Jefferson Capital Services never sent me a Debt Verification Letter. They never gave me the opportunity to dispute the alleged debt in direct violation of 15 USC. I noticed them through my XXXX Credit Report. I filed dispute through XXXX and it was verified Jefferson Capital Services never sent the Debt Verification Letter. They are liars and try to imitate through hurting my credit report. Reporting to a credit bureau without a Debt Verification Letter is a violation of 15 USC Rules and law. This violation requires and mandates Jefferson Capital Services to pay {$1000.00} per the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was in the process of buying a home in Florida. I live in NY. On XX/XX/XXXX the day of the closing I received wire instructions from the real estate agent to wire the funds. I went to Bank of America to get the wire done. XXXX hours later, we were told the real estate agent never sent us any wiring instructions and that his email was possibly hacked. I went right away to Bank of America to stop the wire. I was told we need to file a fraud case which I did the same day at the branch. The assistant manager at bank of America told me she reached out to the receiving bank and was able to put a block on funds. The next day the funds were gone from my account. Everyday when I call for a status on my case, bank of america tells me that they are working on it and they are waiting on a response from the receiving bank. After about 45 days they closed my case and said they are unable to recover the funds without any specific information as to why. I have been a customer with BOA since XXXX. 

I tried to file a police report but unable to because the XXXX needs an affidavit of Fraud form from bank of america and they refuse to give it to me or explain exactly why they are unable to recover funds. 

Date of wire - XX/XX/XXXX Amount wire - {$180000.00} Wired to : XXXX XXXX  in Florida

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 2024-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lela Mae Portfolio Management Group
State: MA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference ID : XXXX Original Account Number : XXXX Balance Due : {$1100.00} I have been harassed via email on this debt I know nothing about. 
Even after my request to verify/validate the debt, this debt collector has not responded. 
Below is an excerpt of the many email communication received, " This is our final notice regarding your XXXX account. We have attempted to contact you more than XXXX times over the past 60 days without receiving a response. 
Once your account is closed, the 50 % settlement offer and payment plan option will be void, and the full balance will be pursued. 
This is your final opportunity to arrange a payment plan or settlement before we close your account : Pay Online or Set Up a Plan : Click Here Payment ID : XXXX If you can not pay the settlement in full today, your only option is to " decline the settlement offer '' and arrange payments for the full balance. 
Regards, XXXX XXXX Lela Mae Portfolio Management Group 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 2024-09-25 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: GA

Complaint narrative:
Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of XXXX Student Loan account opened at : XXXXXXXX XXXX XXXX XXXX {$5600.00} DATE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} DATE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} DATE : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX {$2500.00} DATE : XXXX, XXXX XXXX XXXX XXXX XXXX  {$2400.00} DATE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} DATE : XXXX, XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. 

The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: NV

Complaint narrative:
To Whom It May Concern, I am sending this to you today because I have pulled my most recent credit report and am extremely confused. It is very troubling as these items are reported as incorrect information. I would appreciate your assistance in solving these problems. I have done research at my end and as you and myself both aware, some laws guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported promptly. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the Federal Trade Commission. I must demand that you run a thorough investigation for every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

XXXX - XX/XX/XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities XXXX XXXX - XX/XX/XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities XXXX - XX/XX/XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities

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 2024-09-25 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: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-25 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: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-09-25 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:
Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of INQUIRIES from XXXX ( FINANCE ) XX/XX/XXXX AND XXXX ( BANK ) XX/XX/XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. 

The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-25 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
About 6 months ago I discovered that there were Items on my credit report that do not belong to me including a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At the time of discovery, I immediately contacted the credit bureaus, and they instructed me to contact the FTC and file a complaint which I did promptly. Absolutely nothing changed on my credit report, so I decided to file another dispute and once again nothing changed. I was explaining to a friend the process that I had just completed for the second time with no results, and he advised me to contact your company which is what brings me here today to file a complaint with your company. Please help 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 explanation
Consumer complaint received 2024-09-25 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: MO

Complaint narrative:
XXXX is reporting a 30 day late to all credit bureaus for my XX/XX/XXXX payment. My XX/XX/XXXX payment was XXXX on XX/XX/XXXX and paid on XX/XX/XXXX. While this was late and I incurred a fee, it was 29 days late not over 30 days late.

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 2024-09-25 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX is reporting a 30 day late to all credit bureaus for my XX/XX/XXXX payment. My XX/XX/XXXX payment was XXXX on XX/XX/XXXX and paid on XX/XX/XXXX. While this was late and I incurred a fee, it was 29 days late not over 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I requested information about my student loan origination date, terms and the total amount due. Navient was very slow to respond, it took months and repeated emails. 
The inquiry was in response to the student loan forgiveness program that President Biden started in 2021. Navient responding stating that I didn't qualify. I sent another email asking about student loan forgiveness based on the fact that the loan was over twenty years old. During the time of the loan. It started out as a Sallie Mae loan and then sold or changed to another lender. Since this time, the loan was advised for deferment several times by the loan company. No mention of a income based repayment plan. During the time when loan payments were on hold to Navient, interest was accruing. All payments to student loans were paused by the Biden Administration during covid without interest or penalties. I continued to make full payment to my loan requesting the the amount be applied to the balance in a note on the payment check. Navient continued to charge me interest during that period. Now my loan is changing to another vendor from Navient.. I would like some help. My loan amount is still at {$20000.00} twenty years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: MS

Complaint narrative:
PLEASE DELETE AND UPDATE THOSE FOLLOWING ACCOUNTS I FILE FTC REGARDING THIS ACCOUTS BECAUSE IT IS FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THESE ARE NOT MINE AND THESE ARE ALL UNAUTHORIZED, 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 2024-09-25 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: OR

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days. 


.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: GA

Complaint narrative:
Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of XXXX Student Loan account opened at : XXXXXXXX XXXX XXXX XXXX  {$5600.00} DATE : XXXX, XXXX XXXX XXXX XXXX XXXX {$5100.00} DATE : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX {$3800.00} DATE : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX {$2500.00} DATE : XXXX, XXXX XXXX XXXX XXXX XXXX {$2400.00} DATE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} DATE : XXXX, XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. 

The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections,

Company response to consumer: Closed with explanation