vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX XXXX XXXX Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a XXXX protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Inquiry Date : 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 2023-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On Sunday, XX/XX/2023 at XXXX Eastern Time I received an email that Bank of America had my online application in progress for their Bank of America XXXX XXXX Banking Account XXXX 

I never submitted an application for this. 

At XXXX Eastern Time I received an email that Bank of America had opened a Bank of America XXXX XXXX Banking Account in my name. 

I reported the fraud to Bank of America 's fraud department via their XXXX email address at XXXX and XXXX the same day for each of the respect emails.

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My federal  student loans were transferred from XXXX XXXX XXXX NELNETXXXX XXXXXXXX instead of showing the original XXXX XXXX  accounts as closed, just doubled my student loan amount instead and added the NELNET accounts without closing the original XXXX XXXX  Accounts. I attempted to dispute this information on XX/XX/2023 with XXXX but they did not change the information to accurately reflect the account status after investigation. All of my other credit reports are properly showing my true student loan balance, and my former federal  government loan provider ( XXXX XXXX  ) has told me theres nothing they can do to update XXXX again. 

Confirmation # of Dispute filed with XXXX about duplicate amounts showing on federal loans : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My federal student loans were transferred from XXXX XXXX  to XXXX. Equifax instead of showing the original XXXX XXXX  accounts as closed, just doubled my student loan amount instead and added the XXXX  accounts without closing the original XXXX XXXX Accounts. I attempted to dispute this information on XX/XX/2023 with Equifax but they did not change the information to accurately reflect the account status after investigation. All of my other credit reports are properly showing my true student loan balance, and my former federal government loan provider ( XXXX XXXX ) has told me theres nothing they can do to update Equifax again. 

Confirmation # of Dispute filed with Equifax about duplicate amounts showing on federal loans : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
On XXXX XXXX I received a letter from one main financial company threatening me of a debt of XXXX interest on car loan. I have not received a 1099c form cancellation of debt. As research has shown one main financial has filed a 1099a & 1099c on my behalf without permission and received full payment for that loan amount. On record they have the wrong address for this vehicle lease in no actual evidence on file of I. They have damaged my credit, hard inquiry on all three credit reports. Im very disappointed in upset with this fraud company. I will like my information removed from there contact information and system immediately as well my credit report cleared immediately within 14 days of this fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE A MORTGAGE ON MY PRI, ARY RESIDENCE IT IS WITH XXXX XXXX. THIS LOAN IS NOT BEING REPORTED ON EXPERIAN, IT IS BEOING REPORTED ON ALL OTHER AGENCIES BUT NOT ON EXPERIAN. I REACHED OUT TO BOTH EXPERIAN AND XXXX EACH BLAMED THE OTHER, I PUT.A XXXX AGENT WITH EXPERIAN AND TO NO AVAIL EXPERIAN BLAMES XXXX  FOR NOT SENDING THEM THE INFORMATION, XXXX SENT ME A LETTER THAT THEY ARE INDEED REPORTING AND THAT EXPERIAN IS SIMPLY NOT REPORTING ON THEIR END. EXPERIAN HAS'NT CHANGED OR BUDGED THEY STILL DO NOT REPORT THE FILE. I HAVE ATTACHED THE XXXX LETTER TO THIS COMPLAINT PLEASE HELP I HAVE NO OTHER CHOICE BUT TO COMPLAIN THROUGH YOUR SERVICES.

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not lat

er than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Beginning XXXX I've been unable to withdraw funds I deposited into my Robinhood account. I've contacted Robinhood via phone, chat, and email only to be told that the issue needs to be escalated. I requested that my funds be released so I could simply close my Robinhood account. I'm still waiting on a solution. One representative I spoke to informed me that the issue was that I accessed my account in Georgia and that's was started the restriction bei g put on my account. I told him I am military and frequently have to travel. It's none of Robinhood 's business where I do and don't travel and access to my funds shouldn't be determined by that. I've been told via email that my situation is being handled but here it is XXXX and I still do not have access to my funds. Some days I log into Robinhood and see no restriction tag but others, it's there. I just want my money, and to close my account but it seems like im.getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Ive filed reports on all wrong documents but the time that its taking to fix their mistakes is causing my credit scores to drop daily. Ive worked very hard on the accomplishments that Ive made and their mistakes are causing me financial harm

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 2023-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023 I transfered XXXX from my XXXX business account to my bank of america account. I then drove to the store which is approximately 1 mile away I got gas and some snacks and stuff it came up to about XXXX  dollars I used my bank of america debit card to pay when I swiped the card it declined I said that's not possible so I tried again same results so I opened the bank of america app and seen a pending transaction for XXXX XXXX dollars from XXXX XXXX. I then transfered the amount needed just to pay for my stuff when I get home I call the bank and explain what had just taking place I filed a dispute they said they would reimburse my money during the dispute process a couple days later I received a phone call from the bank saying they were closing my account I asked why they never gave me a reason they never even told me what was going on with my {$400.00} on this paper the dispute paper that I received in the mail well I dispute of the transaction for {$400.00} at the top they have XXXX I don't know why they have that I was disputing the XXXX transaction that I did not authorize so it's been around three and a half months I keep getting statements in the mail then they call me and tell me that on XX/XX/XXXX they're going to close my account fully out and send me a check for my remaining balance when they told me they were closing my account I switched my direct deposits and everything to another account I never received the check from my money for the {$400.00} I don't even know where the money went I don't know who took the money besides XXXX and so I work hard for my money and I just asking for these people give me my money back you can go and look on the IP addresses or if they did the proper investigation they would see that it I'd had nothing to do with this transaction nor did I authorized nor did I allow anybody to use my PIN number or password or anything like that there ain't no one person on the account and that is me I have not been able to get no resolution with them I've even requested the documents that made them make the determination to deny my claim I have a valid claim and I just asked that I get my {$400.00} back this was a fraudulent transaction and I ask that the person be found and punished.

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT

Complaint narrative:
This complaint is in regards to XXXX credit Report # XXXX Dated XX/XX/XXXX. First Interstate Bank Account # XXXX. 
I have contacted the credit reporting companies through multiple dispute letters. I have contacted the creditor and each have blamed each other for not be able to correct errors in my Credit report. I have, by dispute letter, many times, contacted XXXX, XXXX, XXXX, and XXXX, First interstate Bank has verified the information on each of the creiit reports. I will attach a copy of a document from XXXX showing the account and a copy of the loan history from First Interstate Bank. 
The reporting document from XXXX shows that account number XXXX First Interstate Bank was discharged through bankruptcy XX/XX/XXXX, This First Interstate account was for {$24000.00}. This account was REAFFIMED and paid in full ( 1st Error ) INACCURATE. The Payment History on the XXXX credit report stops XX/XX/XXXX WRONG. 
Please look at the loan history ( second attachment ) you will see that the loan was paid through XX/XX/XXXX ( 2nd Error ) Credit report dares are INCORRECT. While this loan covers 7 years the " Terms '' on the XXXX report shows NOT REPORT ( 3rd Error ) INCOMPLETE. 
The " High balance '' is NOT REPORTED ( 4th Error ) MISSING DATA the " Recent balance '' are NOT REPORTED ( 5th Error ) MISSING DATA and The " Monthly Payment '' is NOT REPORTED ( 6th Error ) MISSING DATA. These errors from First Interstate Bank are also in XXXX, XXXX, XXXX, and XXXX. By Law FCRA Section 609 and 611 require that consumer credit reports are to be accurate and complete if information is not accurate then the account is to be delete. By examining the attached First Interstate Bank statement you can see that the information on the XXXX report is very INCORRECT, Important Data has been left out. This credit report is not accurate and is incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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