vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 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: Nelnet, Inc.
State: GA

Complaint narrative:
This has been an on going issue with XXXX. I sent letters to Nelnet and XXXX asking for the accounts listed to be investigated per the FCRA. I sent complaint and XXXX responded with the attached letter. 

According to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 or who may have knowledge concerning any such items of information. 

They stated my account my account were verified but how is that possible if they did not perform perform a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. Lastly, according to the FCRA 15 USC 1681 everything has to be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: MD

Complaint narrative:
I did not authorize the credit application by XXXX on XX/XX/2022 Someone did the application with my Social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
WORLD FINANCE, balance is {$230.00}, and account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CA

Complaint narrative:
XXXX KEEPS REPORTING A NEGATIVE ACCOUNT ON MY CREDIT BUREAU REPORT. THE TRADELINE WAS REMOVED 3 YEARS AGO AND PUT BACK ON XX/XX/XXXX. EXPERIAN DID NOT CONTACT ME WITHIN THE 5 DAYS AND NOTIFY ME OF A DATE OF REINSERTION. XXXX  HAS NOT BEEN ABLE TO SHOW PROOF THAT THE ITEM BELONGS TO ME DESPITE SEVERAL ATTEMPTS TO REINSERT THIS ON MY CREDIT. I PROVIDED A POLICE REPORT TO EXPERIAN AND THEY STILL REFUSE TO DELETE THE NEGATIVE TRADELINE AGAIN. THEY HAVE BEEN UNABLE TO VERIFY THIS AND EXPERIAN IS NOT FOLLOWING PROTOCOL BY LETTING XXXX CONTINUE TO TARNISH MY CREDIT. I AM UNABLE TO REFINANCE MY HOUSE OR PURCHASE ANYTHING ON CREDIT BECAUSE OF THIS. EXPERIAN HAS ENOUGH TIME TO REMOVE THIS NEGATIVE TRADELINE AS I HAVE BEEN DISPUTING THIS ITEM SINCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX  XXXX DATE OPENED XX/XX/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 2022-05-04 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-04 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 writing to delete the following information in my file, the item I need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove this item from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.

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 2022-05-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Update to CFPB complaints XXXX AND XXXX : BoA EDD Case XXXX for fraud charge reimbursement : Yesterday ( XX/XX/XXXX ) I was informed by BoA EDD phone reps XXXX in TX and XXXX in MN that XXXX XXXX East Coast Time XX/XX/XXXX, BoA EDD had changed the status of my debit card from ACTIVE to SUSPENDED and initiated a fraud investigation due to suspicious charges that day and XX/XX/XXXX. Yet despite all that, BoA authorized several more fraudulent XXXX charges on made after that on XX/XX/XXXX from XXXX to XXXX. I WAS NOT NOTIFIED DESPITE A FRAUD ALERT SET TO EMAIL ME ANY SUSPICIOUS CHARGES. Here are a few of them : XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX  $ XXXX XX/XX/XXXX XXXX  $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX The criminal who made these charges did so from XXXX account that wasn't mine XXXX eg. not my name, address, card expiration date, PIN, or 3 digit code! Also, XX/XX/XXXX fraud charge by XXXX XXXX did not have my name or any info on the card. Yet all those obvious fraud charges were approved by BoA and no email of suspicious charges sent to me, no letter or phone call ( BoA had my phone number via XXXX other BoA accounts I have under my social security number. 

DESPITE THIS NEGLIGENCE, BoA refuses to credit back these RED FLAG fraud charges. I strongly stated that the 60 day time limit should not apply, because BoA EDD did not notify me of the suspicious charges or fraud investigation initiated on XX/XX/XXXX. On XX/XX/XXXX, BoA EDD rep XXXX told me my complaint was DENIED and that I did not receive an email notification of suspicious charges because BoA did not deem them to be " suspicious '', Yet they changed the status of the card to SUSPENDED and initiated a FRAUD INVESTIGATION AT XXXX ON XX/XX/XXXX. That is outright duplicity and a huge contradiction. 

Also, I could NOT LOG in to view my monthly statements because the email hotlink notification of same had a virus so website access was blocked! I've provided BoA with screenshots of that to no avail. 

PLEASE HELP ME GET REIMBURSED FOR THE ABOVE FRAUD CHARGES AND PUBLICIZE BoA EDD negligence and horrible handling of this case. 
In addition to my BoA EDD account, I AM a multi-decade BoA Platinum Honors Preferred Rewards client with BoA checking and CMA Merrill Edge accounts. Yet the bank doesn't consider that in the handling of my complaint. I feel trashed, bashed and destroyed by BoA EDD

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 2022-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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 2022-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Leachman Law, P.C.
State: CO

Complaint narrative:
I was " served '' last night with a " Writ of Continuing Garnishment '' that I never knew about a hearing being set nor did I ever receive any communication from this " attorney '' or company they represent showing I owed a debt. XXXX XXXX Courts nor the " attorney '' have ever sent me any notices about a hearing date. The only communication I have received is in the form of a " writ '' last night showing " judgement '' has already been made. I tried to call the attorney Mr. Mark Leachman as well as XXXX XXXX Courts to get written validation of this supposed debt. The original " filing '' shows 2016 but I never received any notice of that either. When I tried the courts, I was hung up on for asking why I never received notice of a hearing, only the " judgement ''. XXXX at XXXX XXXX XXXX said they didn't have to notify me and I needed to call the attorney on the case. She also told me that they can bring up cases from years ago to start the process again and don't have to notify me of the new filing. I can not reach anyone at Mr. Leachman 's office to get any information on this matter. I have submitted letters to both XXXX XXXX as well as Mr. Leachman to request written validation of the supposed debt as well as asked XXXX XXXX Clerk to set a new hearing. I can not find any judge name on the " writ '' to refer to, just a case number. Until I get a written validation of the debt, I will not be paying anything because I can not verify it is valid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.

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 2022-05-04 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: AL

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have some late payments that I was advised that I could get removed from my Credit Bureau by one representative. They sent a letter stating that they will not do it. this comes after the person told me that I was able to have the late payment marks removed.

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 2022-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account Number ( xxxxxxxxxx XXXX-full account number not provided ), has violated my rights : 15 U.S. Code 1681Section 602 A- Violated my right to privacy. 

15 U.S. Code 1681 Section 604 A- A consumer reporting agency can not furnish an account to my credit report without my written instructions.

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 2022-05-04 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account Number ( xxxxxxxxxx XXXX account number not provided ), has violated my rights : 15 U.S. Code 1681Section 602 A- Violated my right to privacy. 

15 U.S. Code 1681 Section 604 A- A consumer reporting agency can not furnish an account to my credit report without my written instructions.

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 2022-05-04 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: MO

Complaint narrative:
I sent a certified letter to Experian on XX/XX/2022 to remove inaccurate and non current personal information from my credit report. According to the FCRA 1681, I have a right to privacy. According to to 15 USC 6802, no financial institution can share my personal information with a third party. This is clear evidence that violations were made against me.

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 2022-05-04 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: FL

Complaint narrative:
They will not update my address to my current address and remove the incorrect addresses from my reports.

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 2022-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
Three years ago I took out a {$300.00} loan from a loan store. I did not pay it back when I was suppose to. Not one time did I hear from the company via phone, mail, court etc. now I have someone calling my phone telling me if I dont pay it this day etc Ill be garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NV

Complaint narrative:
I was sent several invitation letters by Discover Credit Card. Each time I have applied I was denied. This has resulted in several hard pulls. I would like the following removed. 


XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: PA

Complaint narrative:
reported fraudulent inquires in XXXX XXXX and they were not removed List of inquiries : XX/XX/2021, XXXX XXXX AT XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I set up a recurring scheduled payment on my checking account at Bank of America to my Mom 's Assisted Living Home, XXXX XXXX in the amount of {$10000.00}, on XX/XX/2022. On XX/XX/2022 I received a notice that the payment was scheduled and would be mailed. On XX/XX/2022 I received a call from XXXX XXXX regarding my mother. She was XXXX  and needed to see me. I was with her from XXXX to XXXX. I received a call from an unknown number and ignored it since my Mother was more important than what I thought was another SPAM call. A voicemail was left stating I needed to contact the Fraud Dept. before XXXX to pay the check. This message was at XXXX XXXX, which is already past the time they gave me to call back. 1 ) I set up the payment on XX/XX/2022. If they were afraid of fraud, why wasn't I contacted then to be sure I wanted to send a scheduled payment to XXXX XXXX in the amount of {$10000.00} every month? 2 ) Why was there no indication that it was Bank of America calling? I would have answered. 3 ) Why would they call and leave a message stating to call back before XXXX to pay the item, when the message left was at XXXX? This is clearly a Bank error. I requested them to pay the item which they stated they can not, it would have to be resubmitted, of course after XXXX XXXX gets the returned item at their Bank with a returned item fee. I requested Bank of America to give me a letter stating they have made an error in returning the check and for them to reimburse the payee, XXXX XXXX for the returned item fee from their Bank. They refused. There was no way for me to get the check paid that I authorized 10 days before the check was presented. This was a check Bank of America mailed to XXXX XXXX. There was NO way in this scenario that was not going to cause customer harm. I can not be the first. Please examine their procedures. This is wrong in so many ways.

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 2022-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I did not authorize the credit application by XXXX on XX/XX/2022 Someone did the application with my Social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.

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