vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
i got letters in the mail regarding fraudulent bank of america accounts opened under my name. I contacted bank of america to report this crime of id theft and recieved claim paperwork on XXXX XXXX, 2023. I returned the documents on XX/XX/2023. I have not received any update. I contacted bank of america over the phone and they stated the department did not receive the requested documents back and have closed the claim as a result. I did send the completed fraud packets back 4 times in fax and mail. 
Claim : XXXX, XXXX, XXXX, XXXX, XXXX. I attached the FTC ID THEFT claim on here as well.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year> there was a letter sent to equifax asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have reached out to transunion several times and have not been able to reach a resolution. There are several inquiries reporting that dont belong to me. i was advised to provide a FTC which i did. However, transunion said they never recieved it? So I have attached it below and im asking for a removal of the inquriries as well as the fraudelent account XXXX XXXX. 
Inquiry : 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

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 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a dispute regarding a double charge on my Capital One 360 debit card. XX/XX/XXXX I had funds in my acct {$85.00} to pay the merchant, the merchant swiped my card and the merchant stated the charge was declined, they swiped the card again and stated it was declined again so I gave them a different card from another bank and the transaction went through just fine. XXXX that evening I received a notification from Capital One 360 that the transaction went through to the merchant. The next morning XX/XX/XXXX at XXXX I received a notification that the transaction went through again. I contacted the merchant and they told me to contact the bank. I did contact Capital One 360, so they gave me a provisional credit after 10 days of my complaint. XX/XX/year> Capital One 360 reversed the provisional credit sending my acct into the - {$85.00}. I have proof where I paid the merchant with another card when the merchant advised me that the card declined twice on XX/XX/XXXX and never even swiped the card on the XX/XX/XXXX because of the declination on XX/XX/XXXX. I have proof of where I paid the merchant on XX/XX/XXXX with another card as well. I called Capital One 360 to have the reversal of the provisional credit removed, they placed me on hold came back to the line and stated nonsense, they do not know why the reversal of the provisional credit was done, and they need more time put me on hold again and eventually hung up. They have refused to assist me when they were given proof. They basically caused my acct to overdraw and will eventually close the acct. This is the second time I have had an account with Capital One and they have done this same thing a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: CO

Complaint narrative:
When I was checking my credit report I noticed there were inquiries that did not belong to 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 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting to my credit! 
Account # XXXX are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.

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 2024-05-07 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: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX Account # : XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX XXXX and the major credit bureaus XXXX XXXX XXXX XXXX and Experian. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], XXXX XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from XXXX, XXXX, and Experian? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with XXXX, XXXX, and Experian immediately, in accordance with the FCRA and CFPA. If XXXX XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused. 

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

Sincerely, 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 2024-05-06 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:
After examining my consumer report, I have identified inaccuracies and accounts that continue to be reported despite being disputed multiple times. I am deeply frustrated by the lack of action taken by Equifax, XXXX, and XXXX thus far. 

EQUIFAX 1. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 XXXX  XXXX XXXXXXXX XXXX  Account Number : XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX : 1. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 XXXX XXXX Account Number : XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) 2. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 XXXX XXXX XXXX XXXX Account Number : XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX : 1. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 XXXX  XXXX Account Number : XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) 2. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 XXXX XXXX XXXX XXXX Account XXXX : XXXX Misleading and False Reporting - This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I never received my e-statement, yet I've received all of my statements and receipts from them for the past XXXX + years and I received the late payment notice at the same email address as everything else. 

Upon logging into my account the statement shows a due date of XX/XX/year>. The bill was paid in full, as soon as I received the notice, on XX/XX/XXXX. That makes my payment XXXX  days late NOT XXXX  days late as their agent told me repeatedly.

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 2024-05-06 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:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Betterment LLC
State: WA

Complaint narrative:
On XX/XX/XXXX I initiated an XXXX transfer from Betterment XXXX to XXXX for a brokerage account. On XX/XX/XXXX Betterment declined this request with a reason of a mismatched social. My wife and I went into XXXX, reviewed our socials and they were both correct. I contacted Betterment and gave them our socials, which they claimed were correct. We resubmitted the transfer and it once again was rejected by Betterment for the same reason. We resubmitted once again and I got another declined transaction from betterment on XXXX. I called Betterment again on XXXX and was told by the agent she couldn't help me. She was submitting something to their operations team and they would respond in 1-2 business days. That time has now passed and no one has reached out to me. 

Betterment is trying to withhold my money and not providing details or solutions as they continually reject our request to transfer out funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: VA

Complaint narrative:
According to the Fair Credit Reporting act ; XXXX XXXX XXXX XXXX and EQUIFAX has violated my federally protected consumer right to privacy and confidentially under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am not responsible for this debt with " XXXX XXXX ''. I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original contract as requested. The above agencies were contacted to removed inaccurate information. Please cease all inaccurate unverifiable collection and reporting efforts immediately. Respond in writing confirming this has been deleted. I have contacted agencies each month since furnished on my consumer report. 

After recently reviewing my personal credit report, I became aware that EQUIFAX and XXXX XXXX XXXX are reporting information that is not correct, inaccurate and unverified, thus encouraging fraudulent activities. I am requesting that the reporting information be blocked and delete. I am also requesting monetary relief, compensation and/or restitution for damages incurred from dropping my credit score from status, which resulted in denial or employment, credit and housing. This is identity thief and defamation of charter. My request to block is not being made in error, nor is my request being made on the basis of a material misrepresentation of fact relevant to the request to block identified transactions The identified transactions are not information related to any transactions by me as the consumer. Failure to remedy this will result in a civil and/ or law suit against agencies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT. THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my second notice of this fraudulent account on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, this fraudulent item has to be blocked and deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My student loans are showing up duplicated on my credit report. I took out an approximately XXXX loan to pay for XXXX XXXX XXXX XXXX XXXX XXXX, graduating in XXXX. I began payments in XX/XX/XXXX when the freeze ended. Sometime in XX/XX/XXXX, my loans were transferred from Nelnet to XXXX. My loans then began appearing duplicate in XX/XX/XXXX. I now have approximately XXXX remaining on my XXXX  balance, which is correctly showing up, but there is also a XXXX balance incorrectly showing up for NelNet on my credit report. 

I called NelNet and XXXX on XX/XX/XXXX, complaining of the issue. Each company blames the other, but all agree I do not owe the additional XXXX loan. I have now filed XXXX disputes with XXXX, all of which have been denied ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX ). I have received emails from XXXX and NelNet confirming that I do not owe this duplicate balance which I can send along. I thought NelNet had resolved, but I spoke again with a representative who disclaimed responsibility. XXXX tells me edfinancial is responsible. All parties agree this reporting of the XXXX loan is in error, but NelNet and XXXX refuse to take responsibility for correctly reporting that balance as closed to XXXX. 

I can attach documents but the attach window coding is currently not working on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: NY

Complaint narrative:
My student loans are showing up duplicated on my credit report. I took out an approximately XXXX loan to pay for law school at University of Michigan, graduating in XXXX. I began payments in XX/XX/XXXX when the freeze ended. Sometime in XX/XX/XXXX, my loans were transferred from XXXX to XXXX. My loans then began appearing duplicate in XX/XX/XXXX. I now have approximately XXXX remaining on my XXXX  balance, which is correctly showing up, but there is also a XXXX balance incorrectly showing up for XXXX on my credit report. 

I called XXXX and XXXX on XX/XX/XXXX, complaining of the issue. Each company blames the other, but all agree I do not owe the additional XXXX loan. I have now filed XXXX disputes with Experian, all of which have been denied ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX ). I have received emails from XXXX and XXXX confirming that I do not owe this duplicate balance which I can send along. I thought XXXX had resolved, but I spoke again with a representative who disclaimed responsibility. Experian tells me XXXX  is responsible. All parties agree this reporting of the XXXX loan is in error, but XXXX and XXXX refuse to take responsibility for correctly reporting that balance as closed to Experian. 

I can attach documents but the attach window coding is currently not working on the website.

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 2024-05-06 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. The account that I am asking to have verified for accuracy is : XXXX XXXX Account # is not listed on ANY of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my XXXX XXXX  and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
A one time late payment was reported on my credit report recently. I was making payments for over XXXX ( XXXX ) years and this was the first late payment reported. There was only a remaining balance of {$2300.00} roughly. I didn't realized the car payment had matured and thought I had time to make the payment. Dealing with XXXX, working less hours and my daugther returning to college I managed to keep up with the payments, sometimes late, but never to late to be reported. Shortly after my credit score dropped by over XXXX points I gathered the funds to pay the loan off on XX/XX/year>. I am humbly asking for assistance in having this late payment remove from my credit report. 
Thank you for your king assistance with this matter. 

Best regfards, XXXX XXXX

Company response to consumer: Closed with explanation