vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 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: TX

Complaint narrative:
I have recently viewed my credit report and it displayed inquiries I am unaware of. 

I called the Transunion reporting agencies and let them know the inquiries for XXXX XXXX XXXX on XX/XX/XXXXXXXX  and XXXX XXXX XX/XX/XXXX, are not supposed to be visible on my consumer report because I never gave them written permission and this is considered aggravated identity theft. I requested it to be removed and it has not been removed and it has been more than 30 days since my initial request. 

I called XXXX to let them know the inquiry made on XX/XX/XXXX, by XXXX XXXX XXXX are not supposed to be visible on my credit report. 
I never gave them written consent to report them and this is considered aggravated identity theft. I requested it to be removed and it has not been removed and it has been more than 30 days since my initial request.

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 2023-11-14 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: GA

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: CA

Complaint narrative:
XX/XX/2023 disputing {$58.00} and want my account closed. Spoke with XXXX at XXXX and would like to speak to a manager regarding this issue. he says within 5 days. I expressed that I want my security deposit back and he informed me it would take 10 weeks to refund the security deposit. 

This company has predatory business practices and it should not take 10 weeks to process a refund. Nor should they charge me a late fee or membership fee. 

This company has not satisfied my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a charged-off account that is listed on my credit report this account is in error and is showing a balance. XXXX Terms Duration Closed Charge Off Closed Should not be a monthly payment. Please delete the inaccurate account. 
XXXX Account Status : Charged-off and written-off dates are inconsistent errors please delete them.

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 2023-11-14 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a charged-off account that is listed on my credit report this account is in error and is showing a balance. XXXX Terms Duration Closed Charge Off Closed Should not be a monthly payment. Please delete the inaccurate account. 
XXXX Account Status : Charged-off and written-off dates are inconsistent errors please delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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:
I filed a complaint with CFPB regarding Equifax on XX/XX/XXXXXXXX  ID XXXX. They responded XX/XX/XXXX, and I am not satisfied with the way they handled my case. They spent an inordinate amount of time telling me what they can't consider, and little or no time telling me why they lowered my score XXXX  points. I wanted them to tell me exactly why they lowered my score and what reasoning they used to justify it. They didn't do any of that, so I'm going to give them another chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I attended XXXX XXXX of XXXX. This was a for-profit school that offered technical training and ongoing professional support for graduates. I was enrolled in the XXXX XXXX program. After XXXX, the school changed names several times. They went out of business in XXXX  and stopped accepting my loan payments. I discovered that the school had gone into bankruptcy and was part of a national lawsuit. 
I did not know my loan was transferred to Great Lakes until a year or so after because I was never notified, and then the repayments were paused because of Covid. However, If I WAS notified, I would have requested my loans be put into forbearance. I have been below the poverty line for many years and the school I paid to train me and launch me into the professional world failed me and stole my money without providing the ongoing job placement and continuing education as promised. 
This loan was forgiven in XXXX as a result of the Supreme Courts decision to forgive these fraudulent loans. 
I have requested that Great Lakes remove these lates, but they are no longer in business suddenly, they merged with Nelnet, and Nelnet says they don't show my loans in the system even though they were the ones who sent me the notice that my loans were forgiven just 2 months ago. 
I am requesting that the Great Lakes account not be allowed to be reported on my credit report since they do not have any record of me at all nor do they have any record of lates payment or forgiveness or anything. 

I am in the process of obtaining a mortgage and these lates are hurting my hard-earned credit. 

The arbitrary lates listed on my credit report for Great Lakes are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and are being reported to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/2023 In accordance with the Fair Credit Reporting Act Bank of America has violated my rights under 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Also, under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: NC

Complaint narrative:
I HAD A COLLECTIONS ACCOUNT POP UP ON MY CREDIT REPORT FROM NATIONAL RECOVERY AGENCY IN XX/XX/. I INITIALLY CALLED THEM PRIOR TO THIS WHEN I RECEIVED A LETTER FROM THEM TO ASK WHAT IT WAS THEY STATED IT WAS A UTILITY BILL FROM XXXX XXXX IN NEW YORK. I TOLD THE REPRESENTATIVE I DID NOT LIVE IN NEW YORK AND WANTED TO DISPUTE THE DEBT, SHE STATED SHE WOULD NOTATE IT AND IF NOT WOULD REPORT TO THE CREDIT BUREAUS. I DIDNT HEAR ANYTHING BACK FROM THEM AND ALSO DISPUTED ON MY OWN WITH XXXX . I ALSO CALLED XXXX XXXX ASKING FOR A DEBT VALIDATION LETTER THAT I DIDNT RECEIVE THEY STATED SINCE THE ACCOUNT WAS IN COLLECTIONS I WOULD NEED TO DEAL WITH THE COLLECTION AGENCY. I CALLED NATIONAL RECOVERY AGENCY AGAIN AFTER THEY KEPT TEXTING ME WHICH I NEVER AGREED TO, I TOLD THEM NOT TO TEXT ME BECAUSE THIS WAS A SERIOUS MATTER NOT A TEXTING MATTER AND THEY KEPT TEXTING ME AND NEVER SENT ME A PAPER BILL AGAIN NOR DID THEY CALL ME. WHEN I CALLED AND SPOKE TO THE REPRESENTATIVE I TOLD THEM I HAD PREVIOUSLY DISPUTED THIS SHE SAID THERE WAS NO RECORD OF A DISPUTE WHICH I DIDNT UNDERSTAND AT ALL BECAUSE I EVEN DISPUTED TIS MYSELF WITH XXXX . SHE STATED SHE WOULD TEXT ME WITH THE PROCESS ON HOW TO DISPUTE. AGAIN TEXT ME??? AFTER I REPEATEDLY TOLD THEM NOT TO TEXT ME ITS INAPPROPRIATE. I THEN RECEIVED A TEXT WITH A SETTLEMENT OFFER NOT ONCE BUT TWICE AND THEY NEVER SEND ME A TEXT ON HOW TO DISPUTE THIS THEY SENT ME A SETTLEMENT OFFER. THEY ALSO NEVER SENT ME THE DEBT VALIDATION LETTER THAT I HAD REQUESTED FROM THEM.I SUBMITTED A COMPLAINT WITH THE XXXX  BECAUSE THIS ISNT A DBT IM RESPONSIBLE FOR. I NEVER HAD A CONTRACT WITH XXXX XXXX, I HAVENT LIVED AT THE NEW YORK ADDRESS IN TWO YEARS, I NEVER RECEIVED A DEBT VALIDATION LETTER, AND WHEN I LIVED IN NEW YORK THE LANDLORD SPLIT THE METER BETWEEN ME AND TWO OTHER TENANTS THAT WERE LIVING THERE. ALSO, I WAS ON TEMPORARY ASSISTANCE AND I HAVE PROOF DSS PAID XXXX XXXX DIRECTLY FOR YEARS BASED ON MY INCOME. WHEN I SUBMITTED THE XXXX  COMPLAINT THEY REPLIED BACK I DIDNT GIVE CONSENT TO REPLY ON A PUBLIC FORUM WHICH I DID WHICH IS WHY I SUBMITTED THE COMPLAINT. I NEVR HAD A CONTRACT WITH XXXX  XXXX  OR NATIONAL RECOVERY AGENCY. THEY ARE STALLING AND RUINING MY 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 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Late last year, Citibank said they will freeze my accounts if I do not provide certain information from my wife. My wife went to a local branch and provided the information requested except for tax returns. This year I received two or three calls requesting said information, which was already provide. About two or three weeks ago, they froze my accounts. I was not able to pay my bills. After about five to seven days, I was able to unfreeze my accounts. Then two days ago, Citibank called again and requested the exact same information, saying my account will be frozen if my wife does not comply. My wife today, XX/XX/XXXX went back to the local branch and again gave them the information. Citibank said from the beginning of this ordeal that the government instituted a new policy regarding accounts. I and my wife have had this account with Citibank since XXXX. I do not understand why Citibank froze my account, which I have had for over 50 years.

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 2023-11-14 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: Kriya Capital, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE ITEMS ABOUT WERE PUT ON MY CONSUMER REPORTS AND I WOULD LIKE THEM REMOVED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE ITEMS ABOUT WERE PUT ON MY CONSUMER REPORTS AND I WOULD LIKE THEM REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/27 there were three unknown pending transaction on my account : 1XXXX XXXX XXXX  for {$4000.00} from XXXX CA XXXX 2- XXXX XXXX XXXX XXXX  for {$710.00} 3- XXXX XXXX XXXX XXXX for {$710.00} The transaction were reported to the bank while they were in pending status, we told them the transaction weren't made by us or anyone we know. 
They open a claim, we were told it could take up to 10 business days to resolve. 
On the 10th business day of the claim we got a letter email that said that the findings on our claims show no error on our account and that the claim was close and it can not be reopened. 
We call the bank right away and ask about the investigation and we were told that information cant be shared, that it needs to be requested to a different department. 
We finally were able to get to the right person and requested proof of the investigation but were told it can take up to 30 days to get it. 
Its been 18 days since our money was taken from our accounts a total {$5400.00} that were missing, the bank never call us 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 explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a old Elon credit card ending in XXXX that expired on XX/XX/XXXX. The credit card issuer provided a new card ending in XXXX as a replacement. The issue is I was debited {$1400.00} as credit card payment on XX/XX/XXXXXXXX  from my checking account. The payment is for this credit card. But I do not have any transaction after I received the replacement card. The bank is not able to assist since they stated the card issuer was Elon not them.

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 2023-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I purchased a XXXX XXXX through XXXX XXXX in XX/XX/2022. The first year has a XXXX percent interest. In XXXX, I received notice that XXXX XXXX was being purchased by Comenity. I attempted to login to pay off the balance of the bill to avoid the interest for the previous year. The dfs.dell.com website said the accounts were transferred to Comenity 's web site, and I would need to register and set up the account. I receive my statements electronically, but instead of an actual document, it's a link to the XXXX credit website. Comenity does not let me log in, does not accept the XXXX account number, and will not provide the account number through phone verification. Until the very end of XXXX, there did not appear to be any contact information for addressing the account issue. When I logged in again XX/XX/XXXX, a phone number was provided on the login page. The pre-recorded message stated that my account number is on my most recent statement. The statement that I did not receive. After connecting with a customer service agent, I was told the $ XXXX interest was added, but a dispute could be filed because I had no way to log into the account and pay off the balance. The customer service rep took what should have been the final payment of {$2200.00} and said she submitted a dispute for the additional interest that was charged. She also stated that my account number would be mailed out. I received the dispute letter the following week. However, I have yet to receive my account number. I contacted Comenity again today ( XXXX ). I was told it was sent out, and the {$700.00} is still on my account. I have no way to access historical statements through XXXX, or my current account in Comenity. I also do not feel I should be required to pay the $ XXXX in interest because I was not able to pay the balance due to the change of ownership of the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management ( MCM ) which is known as a SPAM caller has called by phone daily from different numbers which are the following... 

( XXXX ) XXXX - XX/XX/2023 XXXX XXXX ( XXXX ) XXXX - XX/XX/2023 XXXX XXXX  ( XXXX ) XXXX - XX/XX/2023 XXXX XXXX ( XXXX ) XXXX - XX/XX/2023 XXXX XXXX ( XXXX ) XXXX - XX/XX/2023 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: PA

Complaint narrative:
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  This information is totally bad for my credit. It is wrong information. It has to be deleted now. 

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 explanation
Consumer complaint received 2023-11-14 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: PA

Complaint narrative:
I never gave XXXX, XXXX, or TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. I have made multiple attempts by phone and mail to resolve the matter but they continue to negatively effect my livelihood, reputation, and ability to secure credit. 

They do not have any permissible purpose to furnish my personal information to any third party as I have the right to privacy per 15 USC 1681a. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I am aware of my federal rights as a consumer now. The company, and or agents are negatively affecting my ability to secure credit/loans. Furthermore, a charged off account is in tern considered income for the company in respect for tax purposes and income can not be furnished on a consumer report either. Again, this is not a request that the below referenced accounts/items be removed from my consumer report, but rather a DEMAND. I'll allow 15 days from receipt of this complaint to comply and remove the listed accounts before I begin to take legal action, seeking the highest remedy and resolution in court. 

As a consumer, I am demanding a deletion of the following account ( s ) : 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