vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX Closed Accounts : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) # XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX/DEPT OF ED # XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: TX

Complaint narrative:
On XXXXXXXX  and again on XXXX I XXXX XXXX sent a letter with proof notifying the bureaus of fraudulent, incorrect, unknown, and obvious violations reported on my credit report. It has been over 30 days later and I have not received a resolution yet towards these violations. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days and the ignoring of obvious FCRA Violations that I clearly pointed out in my correspondence gives a reason to quickly remove those items from my credit report. it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the XXXX and XXXX XXXX data breaches and may have got into the hands of the wrong person.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I am reporting this as the bank is violatioing REG E, specifically pertaining to the provisional credit. 

I filed a dispute on XXXX, for a return of merchandise that was not credited to my account. They took my dispute and issued a provisional credit of {$280.00} on XXXX. I received no notice and on XXXX the credit was debited from my account. I called on XXXX and it was advised I received a refund from the merchant and my case was closed. I did receive credit from the merchant, but it was more than the amount I disputed and not in relation to the disputed transaction. Furthermore, the letter they sent advised the provisional credit that was issued was going to be made final. I let them know this and they said it would be reviewed and I would be called. This is a violation of REG E, as no prior notice was given that the credit was being debited. 

I then continued to call for the next 3 weeks and was told repeatedly it was Huntington Banks 's error and I would see the credit. On XXXX I saw a credit for the disputed amount, however, the next day it was reversed. I called again and was told that credit was issued, however, it was reversed because I did not send in any copies of receipts. I was never asked to send any information in or directed to by mail. 

I was now advised they will look into this, but no credit will be issued until they are done reviewing over the next 45 days. 

Please investigate the REG violation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11 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: WV

Complaint narrative:
Last year on XX/XX/2022 a XXXX  XXXX account was opened fraudulently using my information. I contacted XXXX  XXXX and notified them that it was fraud. After multiple disputes with XXXX  XXXX and the three credit bureaus every investigation they did apparently verified the information as correct. Of course the information is going to match mine because someone used it to open and use that account fraudulently! The charges happened in a nearby city that I wasnt even in at the time and the user was making minimum payments for about three months. I have no bank accounts that have been paying for it so someone else has. I have never had this card in my possession and I cant even access the online account because they use a phone number for verification. Whoever it was obviously used their number so I do not have anyway of getting any information about the account. Because I refuse to pay for a fraudulent account it got sent to a debt collection agency. I moved out of state at the time however so the court date got dropped. Now the account is showing up on my report as a charge off today! I am not sure what other steps I can take to have this account removed from my credit report permanently. I am certain that XXXX  XXXX is only doing a lazy investigation that does not dig far enough to uncover the information that doesnt line up. I even filed a report with my local police department at the time as well as a report with the FTC. At this point I am at a loss for what I am expected to do.

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 2023-10-11 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: WV

Complaint narrative:
Last year on XX/XX/XXXX  a XXXX  XXXX account was opened fraudulently using my information. I contacted XXXX  XXXX and notified them that it was fraud. After multiple disputes with XXXX  XXXX and the three credit bureaus every investigation they did apparently verified the information as correct. Of course the information is going to match mine because someone used it to open and use that account fraudulently! The charges happened in a nearby city that I wasnt even in at the time and the user was making minimum payments for about three months. I have no bank accounts that have been paying for it so someone else has. I have never had this card in my possession and I cant even access the online account because they use a phone number for verification. Whoever it was obviously used their number so I do not have anyway of getting any information about the account. Because I refuse to pay for a fraudulent account it got sent to a debt collection agency. I moved out of state at the time however so the court date got dropped. Now the account is showing up on my report as a charge off today! I am not sure what other steps I can take to have this account removed from my credit report permanently. I am certain that XXXX  XXXX is only doing a lazy investigation that does not dig far enough to uncover the information that doesnt line up. I even filed a report with my local police department at the time as well as a report with the FTC. At this point I am at a loss for what I am expected to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: WV

Complaint narrative:
Last year on XX/XX/2022 a XXXX  XXXX account was opened fraudulently using my information. I contacted XXXX  XXXX and notified them that it was fraud. After multiple disputes with XXXX  XXXX and the three credit bureaus every investigation they did apparently verified the information as correct. Of course the information is going to match mine because someone used it to open and use that account fraudulently! The charges happened in a nearby city that I wasnt even in at the time and the user was making minimum payments for about three months. I have no bank accounts that have been paying for it so someone else has. I have never had this card in my possession and I cant even access the online account because they use a phone number for verification. Whoever it was obviously used their number so I do not have anyway of getting any information about the account. Because I refuse to pay for a fraudulent account it got sent to a debt collection agency. I moved out of state at the time however so the court date got dropped. Now the account is showing up on my report as a charge off today! I am not sure what other steps I can take to have this account removed from my credit report permanently. I am certain that XXXX  XXXX is only doing a lazy investigation that does not dig far enough to uncover the information that doesnt line up. I even filed a report with my local police department at the time as well as a report with the FTC. At this point I am at a loss for what I am expected to do.

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 2023-10-11 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: CA

Complaint narrative:
i am a victim of identity theft.please see attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet your reply is misprsentative. sending a billing statement means Collection. I am not enrolled in a new fresh start program and do not want to be enrolled in a new fresh program. Nelnet your contract with the U.S. Department of Education does n ot start until XX/XX/XXXX. Nelnet contract is to service student loans that are owned by the U.S. Department of Education. The U.S. Department of Education also owns Federal Family Education Loan Program FFLE student loans. Nelnet tell me if this loan is owned by the U.S. Department of Education dated XX/XX/XXXX. 
Nelnet you wrote under the Freedom of Information Act you are required to validate the debt but I do not see the federal lender name who orginated the federal consolidation education code.

( 1 ) Under the Freedom of Information Act for your fruadently federal consolidate loan student loan send me the federal lender education code who orginated the federal consolidation .on XX/XX/XXXX and the federal lender orginator address and phone number and website. 
( 2 ) Send me the lender name who received the distrubition amount of {$49000.00} on XX/XX/XXXX. 
( 4 ) Nelnet you wrote the note was completed under the Electronic Signatures Act Global and National Commerce Act under the Act .Nelnet is required send the ESign Contract. 
( 5 ) Nlenet you wrote for me to look into the National Student Loan Data System ( NSLDS ) Nelnet look into the NSLDS dated XX/XX/XXXX it says DEFAULTED, UNRESOVED. 
On XX/XX/XXXX DEFAULTED, COLLECTION TERMINATED. 
( 6 ) Nelnet send me the letter for the U.S Department of Education reading the fraudulent federal student loan was in the Fresh Start Program without my permission. 
( 7 ) Nelnet send your license number to service this fraudulent federal consoldation loan as of this dated XXXX XXXX, XXXX. 
( 8 ) Nelnet who is the guarantor of this fraudulent federal student loan dated XX/XX/XXXX. 
( 9 ) Nelnet on the fraudulent federal student loan what address did I live at XX/XX/XXXX. 
( 10 ) Nelnet why do you illegal use the word ED behind your name the other servicers do not? 
( 11 ) NELNET LISTEN TO ME I AM NOT GOING TO PAY ONE PENNY ON FRAUDULENT STUDENT LOAN. STOP SENDING ME BILING STATEMENTS FOR COLLECTION. I WILL NOT BE FILLING OUT YOUR DISCHARGE FORM BECAUSE YOU ARE IN ILLEGAL CUSTODY OF THE FRAUDULENT FEDERAL STUDENT THAT WAS TERMINATED BY THE U.S.DEPARTMENT OF EDUCATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Had a boat loan with Bank of the West. They recently sold to BMO Harris, so now BMO is handling our loan. We received a NC UCC statement yesterday and inquired what it was about. They told us that BMO filed a lien against our name and to contact them to see why. When we contacted BMO, we were told that it was a mistake and shouldn't have been filed, so we asked for a letter stating that the lien was removed and it was an error on their part. They wouldn't provide us with this letter and instead said a manager would call us back. They never called back. To try to disassociate with this bank because of this situation, I logged in to make a lump sum payment to pay off this loan with them. I was informed that they would only allow a {$25000.00} payment to be made and that I couldn't make the whole {$45000.00} payment. So I paid the {$25000.00} payment and it immediately locked my account. I've made a payment from this same account in the past and they had no problem when it was a regular monthly payment but because it was such a large payment I was told that they had to verify my identity. Upon calling to do so, I was told that it was verified but would take XXXX days for them to process the hold on my account on the back end. So now not only can I not make a payment, it is probably going to be late due to them locking my account. I've spend countless hours contacting them for help and no one is willing to help me. I need someone to step in and make this bank do what they're suppose to do. Thank you!

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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
td bank XXXX maintenance fee was told anytime my account falls below XXXX from XXXX of the month to the XXXX of the month i will be charged XXXX fee no grace period and even if i put money back in the account the next day i still get charged the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11 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: ID

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-10-11 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: ID

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: VA

Complaint narrative:
My first XXXX was XXXX XXXX and sealed. That shouldn't be included nor affect my hiring processes. I also was XXXX of all charges for my case that was settled in XXXX. The district attorney and judge was on my side. I want retribution. That has been affecting my job search long enough!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: MD

Complaint narrative:
This is about Derogatory account on my credit report which was open in XX/XX/XXXX  after 7 years it was supposed to be fallen off my credit report but it still hasnt. Instead, it was re-sold from to company call XXXX XXXX XXXX XXXX after seven years and now the TransUnions is telling me that the 7 year clock has restarted. I sent them all the documents mentioning that this collection account was open almost 8 years ago by company called XXXX XXXX, and by law, they should remove it. But instead they were telling me that the collection was sold to different company, called XXXX XXXX XXXX XXXX whom reopen this collection this year in XXXX, and it will take another seven years to fall off. So I asked them what happens after another 7 years, if this company sells it to a different company, it will the 7 year clock start again and this will continue until I die they had no answer that.

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