vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2020 US Bank took {$4300.00} from my checking account # XXXX stating there was suspicious activity because of a bank transfer my daughter sent me of {$5000.00}. 

It has been XXXX  year and XXXX  months the fraud investigation has been done for a year and me nor my daughter have not received any funds back from US Bank. 

I have spoken to XXXX XXXX XXXX the branch manager from the XXXX Ca branch. She informed me that US bank has tried to return the funds back to my daughters account which was false US Bank never tried to return the funds. 

My daughter was then told by US bank to file a claim with Bank XXXX XXXX to retract funds so she filed a claim and XXXX  XXXX XXXX told my daughter that they have no record of US banks request to return the funds.

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To whom it may concerm, I have reported identity theft to the three three major credit reporting agency are reporting fraudulent accounts on my credit report on my credit. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX I have sent several notices to change this or update my file but nothing has changed.

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
To whom it may concern, I am disputing the account XXXX XXXX XXXX XXXX  XXXX. I have received a copy of my consumer report, i noticed late payments posted on my consumer report In reference to above account. Your company is in clear violation of the law by posting late payments. THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from the above account. I do not consent to e-oscar or any automated means of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
To whom it may concern, I am disputing the account XXXX XXXX XXXX XXXX XXXXXXXX. I have received a copy of my consumer report, i noticed late payments posted on my consumer report In reference to above account. Your company is in clear violation of the law by posting late payments. THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from the above account. I do not consent to e-oscar or any automated means of verification.

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please update all of my personal information on Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I attend college and I am a 100 % XXXX Veteran, I am reporting on apparent discrimination, in XXXX I was informed that XXXX of my student loans were XXXX and I was no longer eligible for Federal student aid as there is a code in the XXXX XXXX barring me. I was no longer able to attend college for cost reasons and I had to pay back the remaining balance on my account. After contacting the Dept. of Education, I learned that a company called Nelnet was responsible for blocking me from student aid. I contacted them in Spring XXXX and they stated that I could just have the other XXXX forgiven if I submitted paperwork. In XX/XX/XXXX I contacted the company again as I was still being billed for the XXXX remaining debt, they stated it was not going to be forgiven, and that is when I notified them it was discrimination to bar me from a student loan based on my XXXX status, they then offered to opt me out of their discrimination program. They read me a statement about opting out and asked for my verbal consent, I agreed so I could return to college. In XX/XX/XXXX, I returned to college and found out that I was still barred on the XXXX from receiving federal aid based on my status as being a 100 % XXXX veteran, I contacted nelnet again and they said that I am still barred from federal student aid for being XXXX, and they never opted me out, I requested to opted out again and they will send me paperwork, maybe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To whom it may concerm, I have reported identity theft to the three three major credit reporting agency are reporting fraudulent accounts on my credit report on my credit. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  I have sent several notices to change this or update my file but nothing has changed.

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To whom it may concerm, I have reported identity theft to the three three major credit reporting agency are reporting fraudulent accounts on my credit report on my credit. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX I have sent several notices to change this or update my file but nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, 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:
After receiving my credit report, there are multiple US Code has been violated by this reporting, 1. 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 15 USC 1681a- ( e ). " Congress says in order for you to have conducted an investigation you have to have Spoken to neighbors, friends or associates etc and if they spoke with them the information provided can not be factual ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, 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:
After receiving my credit report, there are multiple US Code has been violated by this reporting, XXXX. 15 USC 1681 ( a ) ( XXXX ) Infringed Upon a Consumers right to privacy XXXX. 15 USC 1681b ( a ) ( XXXX ) No Permissible purpose/ No written instruction 15 USC 1681a- ( XXXX ). " Congress says in order for you to have conducted an investigation you have to have Spoken to neighbors, friends or associates etc and if they spoke with them the information provided can not be factual ''

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please update all of my personal information on XXXX, Transunion, and 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 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Last year I had a total of 4 cases of fraud! One being an accident, and the rest out of my control! The accident was an incident reported as fraud when it shouldve been reported as a dispute where a store wrongly charged me. It was never settled since I wasnt able to find the receipt. Thats fine. Another charge of XXXX $ happened when I lost my debit card ( only lost it once! ) I then had to wait a few days to dispute what I had noticed because it HAD TO POST before any dispute! There was an {$80.00} and another charge of a price Im unsure of, from Cash App, where My account was hacked while my debit card was still linked! Sent proof in of that and also how the account was closed. However they decided to disable my debit card for a year! After I was disrespected by NAVY FEDERAL CREDIT UNION. Supervisors have hung up on me, fed me false information, disrespected me, and refused to answer specific questions! Even had a supervisor named XXXX that kept muting my call along with loud children screaming in the background! I have another navy federal member that will be making a report. I was informed by that member that he also once experienced large amounts of fraud! HOWEVER, he NEVER lost his card privileges! Now that is discrimination. I got penalized because someone stole from me, but when it happened to someone else they were taken care of. This is just one of many reports!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Error in my credit report never get fix. I have informed you already that my report contains items that results of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Error in my credit report never get fix. I have informed you already that my report contains items that results of identity theft.

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Filed report in ftc.gov XXXX i do not consent to authorize nor benefit the following inquirieries XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX Remove them ASAP

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 2022-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
Deliberately Withhold my Consumer information, Dear/Sar/Madam, I have had attempted multiple times to get my consumer information from kia motors through phone , email and through the account portal that kia motors failed to provide me the information what I am looking for as a way deliberately withhold or conceal my consumers information. 
1.Freezed my account/rejected my payment 2.My email, mail, online, phone requests to get get my documents got rejected. 
I again request kia motors to forward me the following consumer informations to my email address associated with my account if possible ( XXXX ), otherwise to mail me to my mailing address " XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX '' 1.My Online kia motors finance information and updates that I did including if there is phone number change, address change, alert chage and consent type. 
2.All billing statements that I did 3.My loan agreement that I did with you.

4.Notices that you sent to my address in each step of your collateral seizure/repossession ( It can not be called repo in Nevada what you did . ) 5.if possible, limited access permission to my online account/just to revise my documents. 

Best Regards

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Filed report in ftc.gov XXXX i do not consent to authorize nor benefit the following inquirieries XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX Remove them ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Filed report in ftc.gov XXXX i do not consent to authorize nor benefit the following inquirieries XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX Remove them ASAP

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have been disputing the late payments showing on my account for IC SYSTEM which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL

Complaint narrative:
I obtained a private student loan through XXXX XXXX several years ago, this account was transferred to another lender in XXXX. 
WELTMAN WEINBERG REIS purchased the debt, re-aged this account by updating the " date of last activity '' to reflect the date of XX/XX/XXXX. This company is unethical, unprofessional, and harassing, this causes stress. Due to this inaccuracy, my credit scores have been negatively impacted. I've reached out to this company attempting to resolve this issue but to no avail. 
I am asking for an immediate investigation and to have this account deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The accounts listed below are charge off and showing a balance on my credit report, the accounts are in accurate. I did not consent nor authorize anyone or any company to benefit from my credit or report information to my credit report, this violates my consumer rights. 

Account Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
I have been disputing the late payments showing on my account for Santander Consumer USA which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is reporting my XXXX XXXX XXXXXXXX XXXX closed account incorrectly as settled, potentially negative with late payments. This account was opened in XXXX and was closed due to the store closure and the balance on the account was paid as agreed and never late. After I settled the balance with XXXX XXXX  making all payments on time as agreed I was notified by Experian my credit score had dropped XXXX points and when I checked my Experian credit report it reported the account as closed, settled, potentially negative with late payments. I opened a dispute with Experian in XX/XX/XXXX and was told the reporting is correct and I was referred to the merchant. In XX/XX/XXXX I received a letter from XXXX XXXX stating the account was being reported incorrectly, the account was settled with an XXXX XXXX, and a request was sent to the credit bureaus to remove the past due history. I have made several attempts to have the incorrect reporting changed, even after sending a mail in dispute with the letter from XXXX XXXX to Experian via certified mail.

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 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IN

Complaint narrative:
I have a collection account on my consumer report from the company ERC I have disputed this account several times to no prevail. They are fraudulently saying I owe them when I never had any contract or anything. This company need to pay for negligence compensation and remove from report. This company has been on my report for 4 years now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting of Transunion an early exclusion ( deletion ) of an account that is currently been reported on my Transunion credit report. The account is scheduled to drop off my credit report in XXXX of 2022. This is based on the last credit report that I got from Transunion. Transunion 's policy states that persons can request for an early exclusion ( deletion ) up to XXXX months before the account is scheduled to be deleted from the credit report. It is now 6 months before an account that is listed on my credit report is scheduled to fall off. 
I am therefore asking an early exclusion ( deletion ) of a XXXX  XXXX XXXX account from my credit report please. The account number for that account is XXXX ..... 
This is account is schedule to be dropped off my credit report in 6 months time. It is with that in mind that I am requesting an early exclusion ( deletion ) of this item from my credit report. This request is made based on the policy of this company that of giving persons up to six months before the schedule deletion date to request that an item be deleted.

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The accounts listed violate my privacy rights. I did not consent nor authorize for the accounts to be reported on my credit reports. 

Account Name XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX medical center

Company response to consumer: Closed with explanation