vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Please refer to case XXXX XXXX XXXX mentioned in their doc that they confirmed with BOA that the transaction was successful and the receipent was credited on XXXX XXXX. However, that was not true. The receipent is my wife, and she did not get the money in her BOA bank. 

Either XXXX XXXX  provided false information or BOA did.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  opened a loan they have the wrong address it was opened under an address that wasn't even mine I have asked them for the loan papers that I have signed the address it was opened under the birth date and the amount they have yet to send me any of this information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  opened a loan they have the wrong address it was opened under an address that wasn't even mine I have asked them for the loan papers that I have signed the address it was opened under the birth date and the amount they have yet to send me any of this information

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My XXXX XXXX XXXX was hit and made inoperable XX/XX/XXXX. I called XXXX ( the financial institution who the loan was issued through ) and they told me to continue making payments until this issue was resolved with the insurance company. I continued to make my bi-weekly payments of {$200.00} until the insurance company issued them a check. The insurance company post dated the check back to initial date of loss in XX/XX/XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX i made {$1200.00} worth of payments per their instruction. Also, within that time period they reported to the credit bureaus that they repossessed my car. That action resulted in my credit score dropping XXXX points. I was never late on a payment nor did i ever miss a payment. XXXX has yet to issue me a refund for the {$1200.00} that i paid after the initial date of loss or gave me any kind of time frame as to when to expect it.

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 2023-10-18 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: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
A collection account from National Credit Adjusters appeared on my credit report XXXX of XXXX for {$350.00}. This resulted in my score dropping XXXX points with XXXX, XXXX points with XXXX and XXXX points with XXXX. This inaccurate information along with the decrease in my credit scored caused a denial for a new mortgage for my family. I reached out to the creditor on XX/XX/XXXX with a certified letter ( XXXX Certification # XXXX XXXX XXXX XXXX XXXX ) requesting proof that I signed documentation with this creditor and instructed the creditor to notify the XXXX credit reporting agencies that this was an error. The creditor did not respond. I am now receiving phone calls from the creditor. On XX/XX/XXXX at XXXX XXXX  I spoke to a representative on a recorded line and advised that the debt was not my debt. The representative noted the account. I am currently reaching out to an attorney to submit a claim for Defamation, Negligent Enablement of Identity Fraud, and Violations of the Fair Credit Reporting Act. These violations may result in at least a {$3000.00} fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Back in XXXX I received a bonus check from my employer. I then received a email my account was being closed due to fraud. It would be closed it 60 days I lost access to my account I couldnt view how much money was left in there nothing. I called over the phone and was informed check was not cashed. I deposited the check via their mobile app. I called back days later to let them know indeed the check had been cashed and I had proof from my employer the funds were added to the account. Ive been getting the run around since XXXX for these funds. Never transferred to a Citi Bank supervisor or called back. I reach out multiple times and they tell me they will escalate the matter or to wait. One time I was advised to go to the branch I went to the branch mind you theres no branch in my city they are now closed so I traveled to this branch to be told there is nothing they could do. Im beyond frustrated and distraught at this situation. Im a XXXX  mother in need of my funds. This has been a on going problem since XX/XX/2022 and have yet gotten a resolution or my money Back

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 2023-10-18 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: MN

Complaint narrative:
I want all hard inquiries removed immediately from my credit report via 15 usc 1681 a2 b Any authorization or approval of a specifich extension of credit directly or indirectly by the iddue of a credit card or similar devices to be excluded from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: MN

Complaint narrative:
I want all hard inquiries removed immediately from my credit report via XXXX XXXX XXXX XXXX b Any authorization or approval of a specifich extension of credit directly or indirectly by the iddue of a credit card or similar devices to be excluded from.

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 2023-10-18 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I have sent certified letters with tracking information to Synchrony Bank on XX/XX/XXXX and XX/XX/XXXX requesting validation of the 'charge off ' that is listed on my credit reports for {$1900.00} regarding account # XXXX. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Synchrony Bank. Synchrony Bank has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 


Additionally, Synchrony Bank has also not provided a sentence on my credit report WITHIN XXXX CALENDAR DAYS from my first certified letter dated XX/XX/XXXX requesting that I am disputing the negative item in question

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 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
My account was fraudulently used. I am a victim of identity theft. Someone walked into a branch impersonating me and deposited a fake check. Also during that time my accounts were compromised and money was transferred to unknown individuals. I notified the bank immediately same day of the fraud concern. I was told that they saw suspicious activity on my acct and was shutting it down. A few days later they emptied my personal account of {$7500.00} stating that it was being used to cover the money that was fraudulently taken from the account. I contacted them immediately and advised thats all the money I had to support my children and pay my bills. They did not care, advised me to file a claim and wait. Later they denied rage claim saying that I endorsed the check, and agreed to text. Although I shared during that time I had possession of my watch but not phone. Never got any notifications to my watch so I was unaware of those transactions. I requested video footage be pulled from bank, atm, and that everything be reversed due to fraud. Im literally being victimized twice. During my time with NFCU I have over XXXX in my account, i didnt authorize any of the charges, they keep denying the claim saying its no fraud but how is that when someone went into a branch impersonating and signed a check as me. Then I have proof that it was multiple devices that was logged into my cash app that I had to request be removed. No one can verify where the money was sent or reverse the transactions which makes no sense. NFCU has done nothing to help me as victim, instead they have victimized again by penalizing me for something that I notified them immediately of. I would like the fraud claim closed as approved ; my account adjusted and my money returned. I have multiple accounts and I refuse to do business with a company that does not protect its consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
I dont know the company I have no business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
DISCOVERBANK XXXX XXXX : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are multiple unauthorized uses of my credit report that I did not approve or make, I have no association with these accounts that were trying to be opened. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: TX

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Higher Education Servicing Corporation, Inc.
State: TX

Complaint narrative:
To Whom It May Concern at Consumer Financial Protection Bureau, I am writing to formally dispute the negative reporting on my credit report concerning my account with the Higher Education Service Corporation ( HESC ). Below is a summary of the issues that have led to this dispute : Higher Education Service Corporation ( HESC ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Account XXXX XXXX XXXX XXXX XXXX Loan # : XXXX Loan # : XXXX Change of Payment Address : HESC changed their payment address without adequately notifying me. They claim to have sent an email on XX/XX/23, which I have not received despite thorough checks of my email, including spam and junk folders. 

Misdirection of Payments : Due to the lack of communication about the address change, my payments were sent to the old po box and were not applied to my account. This led HESC to place my account in a 60-day past-due status.

Negative Reporting to Credit Agencies : As a result of the misdirected payments, HESC reported negative feedback to all credit agencies, including XXXX, XXXX, and XXXX, severely impacting my credit score and financial standing. 

XXXX XXXX : I immediately corrected the outstanding balance once I became aware of the issue. Despite this, HESC has refused to retract the negative reporting, stating that " no servicing error has occurred. '' Good Faith Attempts : I have made all payments in good faith based on the information available to me. I have also made immediate efforts to resolve the issue upon becoming aware. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and remove the negative reporting from my credit report as it is unjust and impacts my financial credibility. I have acted in good faith and expect the same from HESC XXXX, XXXX, and XXXX. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX 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 2023-10-18 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit report for an insurance policy that I had canceled they are trying to charge me when I called and canceled the policy I did not want insurance at the time they are saying I owe this money for I had another insurance company that I went with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: VA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I recently checked my credit report and seen multiple items with incorrect information on it. 

XXXXXXXX XXXX Acct # XXXX on XXXX and XXXX The information incorrect is the account number is not correct Date opened it not correct Balance isn't correct on XXXX it shows {$1400.00} on XXXX it shows as {$0.00} Payment status is incorrect and shows as charge off on XXXX while XXXX shows as paid in full Last report date is incorrect XXXX says XX/XX/XXXX while XXXX shows XX/XX/XXXX XXXX also states it as a Delinquent and Derogatory while XXXX has it Derogatory Also neither has the correct address associated with me This account should be removed from both XXXX and XXXX for being inaccurate. 

Now there are XXXX more accounts with XXXX that is not accurate XXXX XXXX XXXX Acct # XXXX Comenity bank/XXXX Acct # XXXX XXXX on XXXX shows XXXX payment after charge off which is not accurate, payment status isn't correct, active date is incorrect. Also credit limit being {$0.00} and high credit being {$9000.00} is incorrect. Date open XX/XX/XXXX and last report date XX/XX/XXXX is incorrect. Along with the address on file not being mine. 

Comenitybank/XXXX on XXXX shows payment status as charge off which is inaccurate, last active date XX/XX/XXXX is incorrect on XXXX. XXXX has it as XX/XX/XXXX paid satisfactorily accurately. Also credit limit being {$1500.00} and high credit being {$1800.00} is incorrect. Date open XX/XX/XXXX, last active date XX/XX/XXXX and last report date XX/XX/XXXX is incorrect. XXXX has last active date as XX/XX/XXXX and XXXXAlong with the address on file not being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have contacted a company called LVNV Funding / Resurgent now several times via mail to get a better explanation of a debt they are reporting on my credit report in the amount of {$230.00}. Every time I ask them to show me how they calculated what they claim I owe them, they just send me the same piece of paper from XXXX, which is a bill from XXXX. The first letter I sent to them was on XX/XX/XXXX, the second letter requesting some sort of breakdown or info for what the debt is for was sent on XX/XX/XXXX and they responded with the same letter, which includes a bill from XXXX. This in no way validates any sort of debt. Furthermore, I wrote them once again on XX/XX/XXXX to get more info on this debt they are reporting and they clearly violated the FDCPA by contacting me via mail when I made it clear I only wanted to be contacted by email.

Company response to consumer: Closed with explanation