vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per XXXX XXXX  XXXX ( XXXX ) ( XXXX ) ( XXXX ). Moreover, you stated the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). Per XXXX XXXX XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.

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 2022-02-08 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: PA

Complaint narrative:
I am distressed after obtaining my credit report and acknowledging inaccuracies and/or incomplete information, and accounts. I am a victim of identity theft and the information that is reporting on my credit profile DOES NOT relate to any transactions that I have made. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are obligated to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Section 623 ( a ) ( 1 ) ( A ) of the FCRA - requires that a furnisher shall not furnish any information relating to a consumer to any XXXX if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Furnishers have been known to report information with actual knowledge of errors even when the information doesnt reflect what's in their system. I hope that doesn't speak of your character. 

It is also my understanding that under the FCRA 15 U.S.C. 1681i, Every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely 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 explanation
Consumer complaint received 2022-02-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i was called on my landline on XX/XX/2022 by a person claiming to be a XXXX representative they had me use XXXX to transfer money somehow they were able to get into my bank of america they made 6 transactions several different amounts i was sent 6 text messages claiming to be from bank of america to transfer money through XXXX  they claimed the texts were authorization codes which in turn i was instructed to put in a amount column i was unaware i was adding to amount column bank of america called me about a hour later and said they detected fraud on my account they were able to block 5 transactions but the first one for XXXX went through because it was the first one from someone named XXXX my claim # is XXXX i am looking to recover money that was withdrawn from my BOA account illegally can you help me bank of america needs documentation presently my XXXX XXXX account is locked i will be able to provide text numbers sent to me on XX/XX/XXXX but in order to reveal nature of texts i need to file a supena from county court judge which i hope to be able to do in the next day or two do you need more information to help me with this claim thank you 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 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was told I received an airline refund on XXXX for {$4100.00} and it appears it went to the credit card the bank 's rewards company uses, because it definitely did not get refunded to my account. Bmo harris bank rewards uses a company called XXXX. After multiple calls and attempts to have them track the funds through an XXXX XXXX # XXXX reference number, they still won't return my emails, and hour long phonecalls lead to " we'll call you back tomorrow '' or " we can't find it ''. The purchase was made XX/XX/20 - so I've been at this a LONG time. The airline insists they paid it and that it is trackable. The bank says they don't have it. Someone has committed credit card fraud! And I am out quite a bit of money after a XXXX  year battle with both.

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 2022-02-08 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: PA

Complaint narrative:
I am distressed after obtaining my credit report and acknowledging inaccuracies and/or incomplete information, and accounts. I am a victim of identity theft and the information that is reporting on my credit profile DOES NOT relate to any transactions that I have made. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the Fair Credit Reporting Act, Section XXXX ( XXXX ) ( XXXX ) of the XXXX- you are obligated to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Section XXXX ( XXXX ) ( XXXX ) ( XXXX ) of the XXXX - requires that a furnisher shall not furnish any information relating to a consumer to any XXXX if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Furnishers have been known to report information with actual knowledge of errors even when the information doesnt reflect what's in their system. I hope that doesn't speak of your character. 

It is also my understanding that under the XXXX XXXX XXXX. XXXX, Every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely 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 explanation
Consumer complaint received 2022-02-08 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: MI

Complaint narrative:
XXXX XXXX AT XXXX XXXX XXXX XXXX, TX XXXX  HAS BEEN SENDING ME COLLECTIONS ACCOUNT IN THE AMOUNT OF $2,050.00,I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DO NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW ANY ACCOUNT THAT CANT BE VALIDATED HAS TO BE REMOVE FROM THE CREDIT REPORT,IF YOU CANNOT PROVIBE ME THE ORINGNAL CONTRACT WITH MY SIGNATURE ON IT THIS MISLEADING ACCOUNT MUST BE REMOVE FROM MY CREDIT REPORT......

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: MI

Complaint narrative:
XXXX XXXX AT XXXX XXXX XXXX XXXX TX XXXX HAS BEEN SENDING ME COLLECTIONS ACCOUNT IN THE AMOUNT OF $2,050.00,I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DO NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW ANY ACCOUNT THAT CANT BE VALIDATED HAS TO BE REMOVE FROM THE CREDIT REPORT,IF YOU CANNOT PROVIBE ME THE ORINGNAL CONTRACT WITH MY SIGNATURE ON IT THIS MISLEADING ACCOUNT MUST BE REMOVE FROM MY CREDIT REPORT......

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 2022-02-08 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: TN

Complaint narrative:
On XXXX XXXX, 2022 I made a call to Nelnet regarding a received email that payment was needed on a Income Driven Repayment Plan. I spoke to a Nelnet rep. trainer, XXXX, on XXXX as I did not receive email with new IDRP request regarding loans. XXXX sent over via email with IDRP document request to update my account and information. 

I executed document and try to upload documents to Nelnet 's dashboard in my account. I was able to enter ID and password. I then went to the documents and upload documents drop-down box. I accessed my documents from my computer their " File to Upload '' chosen. I chose from " Document Type '' " IDRP Request '' An error message repeatedly came up blocking my ability to upload requested documents. 

I called Nelnet and spoke to XXXX representative. She could not assist me in the inability to upload detrimental documents that are being request and I willing to give. I told her that devices had been remotely accessed prior and I had to contact FBI. She stated that my web browser was blocking me from uploading docs. I then informed her the XXXX app uploading was downloaded from FBI site. She then informed me that was the problem and to go to a different browser and access a different site. I then informed her that I had no problems with XXXX and if I could speak to her manager or XXXX. She refused. I told her if she could not fix my problem, my honest effort was to report to CFPB. 
XXXX XXXX ( aka. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: GA

Complaint narrative:
All names should be removed from my profile besides my given name.

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 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Received letter from TD bank that there was insufficient funds in my checking account. I do not have a checking account at TD bank. They say last XXXX of acct. no. is XXXX. 
XX/XX/22. I called their fraud section.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-02-08 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
i applied for a credit card at check out for XXXX XXXX card. My request was denied. I received a letter from XXXX XXXX stating that my request was denied because " credit bureau reports applicant is deceased. '' The credit bureau is Experian. I have called, sent a registered letter with copy of notice from XXXX and they keep telling me there is no record of the application to XXXX. I sent for a copy of my credit report and it shows the inquiry by XXXX but states " reason : Unspecified. '' I tried to get this corrected online to no avail. I am concerned that this will be an issue later. I am XXXX XXXX XXXX and want this corrected ASAP. The inquiry by XXXX is " scheduled to continue on record until XX/XX/2024.

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 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
TD bank has allowed several accounts to be opened in my name fraudulently. I went into the bank the first time with my id and social security card letting them know it was not me. After that they allowed them to do it again. I have lost hours at work. That is financial abuse to continue to let someone do something like this. Its pure negligence and I am not the only one experiencing this issue its happened to thousands of people recently at TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have had an account with MIdland Credit Management ever since they bought my account in 2017. First I was told they would not put it on my credit report if I made payments. I have been making payments ever since and have not missed a payment yet they still reported it. I know that collections stay on reports approximately 7 years. Now all of a sudden they changed my account number and instead of changing my report to reflect it is a change and giving me credit for my payments ( which they lied and said they werent going to report anyway ) they deleted my account then added a new collection and say I have paid nothing. This not only lengthens the time it will be on my report but hits my credit unfairly as it looks like I just got this collection and that i have done nothing to pay on it. I disputed it but no response- went online and they do not reflect my payments on this account even though my emails and checking accounts show I paid. I tried to chat on their site but they will not because of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: GA

Complaint narrative:
All names should be removed from my profile besides my given name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All names should be removed from my profile besides my given name.

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 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/2022 I received 2 unsolicited debit XXXX cards from TB Bank. I contacted customer service thru the 888 # listed to activate card and spoke with XXXX to let him know I never applied for these accounts and wanted them cancelled. XXXX wanted my SS # which I will not release. I did give him the 16 digit card number on one of the cards and he stated that this needed forwarded to someone else and they would contact me back in 3 to 5 days. On Friday I received insufficient funds notices on 2 accounts. As of Monday, XX/XX/XXXX I received 3 separate large envelopes containing checks for 3 separate checking accounts. In asking around, I also found that I am not the only one receiving these mailings, cards and checks and notices. The customer service line is XXXX and is basically useless. Reporting this since I do not want any fraudulent activity on my accounts. I have already talked to my personal bank and they are on alert for any unusual activity but this TD Bank needs stopped. My father-in-law receiving the same stuff in mail. STOP TD BANK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My complaint is against Suntrust who I believe is now Truist Bank. My complaint is for Suntrust failing to take action to remove an unauthorized credit inquiry on my credit report from Suntrust. On XXXX 2021 I purchased a vehicle from XXXX XXXX. Before making The purchase by without the assistance of XXXX applied and obtained an auto loan using XXXX XXXXXXXX XXXX. While XXXX was processing the paperwork they made a mistake and applied for financing though several banks including Suntrust without my permission. XXXX has sent a certified letter to Suntrust and others explaining this mistake and ask them to contact XXXX to have this hard credit inquiry removed from my credit report. I have also sent a certified letter to Suntrust asking them to contact XXXX to have this inquiry removed because it was not authorized by me and is having a negative affect on my credit report, my loan applications and my acquisition of credit. I have since wrote several letters and made numerous phone calls to Suntrust since these first letters were sent. Suntrust has not responded at all. Each time I call Suntrust Im told the complaint will be forwarded to the Suntrust credit reporting department and Im given a reference number. Every time I call back for an update Im told the previous reference numbers do not bring up a case and I must start the complaint all over again. I have contacted XXXX and Im told I do have the right to have this inquiry removed since it wasnt authorized by me. XXXX also explained to me that ti have this inquiry removed the removal should be requested by the creditor that did the inquiry which is Suntrust. When XXXX made this error applying for loans in my name they applied to several other banks creating many credit inquiries. All of the others with the exception of one have contacted the credit bureaus requesting these inquiries be removed. So far most have been removed with a couple still pending with the credit bureaus. I am requesting Suntrust contacts XXXX Credit Bureau and asks that this credit inquiry be removed from my credit report since it was done in error.

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 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: AL

Complaint narrative:
No information given regarding account. Violates federal XXXX XXXX XXXX also no medical release given and eligible to collect on debt per Section XXXX ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a letter to Equifax last XX/XX/2021 and until now I didn't received any response, it is over 45 days so now this is a violation of 15 US Code 1681i ( 6 ) ( a ) Failure to send results of reinvestigation in writing within 5 business days by mail.

Company response to consumer: Closed with explanation