vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 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: TX

Complaint narrative:
EQUIFAX is obligated by the FCRA to report accurate accounting. I, the consumer, have advised ALL the inquiries reported were fraud. Said company had four ( 4 ) days according to LAW to remove such items. I have filed a FTC fraud report in this regard. I, the consumer, is now requesting EQUIFAX to provide the documentation used to determine whether the inquiry was indeed authorized by the consumer. EQUIFAX has fifteen ( 15 ) days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature. I am NOT asking for an e-oscar report and if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number : XXXX. XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX, XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX with an address of XXXX XXXX of the XXXX, XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Georgia XXXX XXXX XXXX XXXX, XXXX with an address of XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. Furthermore, I will be filing form 211 treasury omb forms to audit said accounts. EQUIFAX is securitizing consumers data yet refuses to provide me a copy of my CONSUMER FILE, NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: MI

Complaint narrative:
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX On XX/XX/2020, an 30 day late was reported on my credit report I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing i was late to support your inaccurate reporting on my account, if you can not supply this, please delete this alleged late payment from my credit report for reasons that it is not a invalid late payment the FCRA allows 30 days for this to be rectified

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 2023-04-18 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: NY

Complaint narrative:
My SSN is inaccurate ending in XXXX. 

The following Names are not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: NY

Complaint narrative:
My SSN is inaccurate ending in XXXX. 

The following Names are not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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: CA

Complaint narrative:
On XX/XX/2023 I found two transactions ( {$10.00} and {$25.00} ) I did not make for opening new bank account # XXXX ( I did not open a new bank account ). I called the bank ( XXXX XXXX ) but did not receive any explanations or suggestions. 
On XX/XX/2023 I was trying to access my online banking from my mobile device ( XXXX XXXX ) and it was unsuccessful multiple times. I went to the branch of XXXX XXXX in XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) with my problem and we realized that somebody used my SSN and all personal information to open new bank account under my name. Also they have changed my phone number and email address in my online bank account, ordered ATM card, withdrawn some cash ( three transactions for {$1000.00} each ) from me ( ATM in XXXX XXXX, CA ) also they transferred {$6000.00} from my credit card to new account # XXXX they opened. I had to close my old account, ordered new debit and credit card, changed my username and login for online banking and pin code for debit card. After I left the branch I was trying to access my online banking again using new user name and password and no success again. I went to the branch next day and they said that somebody called and pretended to be me and asked why the account was closed. When they did not answer to security question correctly the operator blocked my new account again.

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 2023-04-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I had an unrecognized Hard Inquiry Done by " Bank of America '' according to " XXXX '' credit reports. I discovered this on XX/XX/XXXX as my XXXX  credit score went down by XXXX points which was reported to me from my current bank " XXXX XXXX '' I have not applied for any loans, Credit cards, or any other service from " bank of America '' or any other institution, business, etc. that requires a credit check sense the date of XX/XX/XXXX, as that was the date of my last credit card application.I believe this Hard inquiry to be fraudulent. I have already informed " XXXX XXXX XXXX Fraud department, which in addition has discovered other inaccurate information that has been corrected. As well as posted a Fraud alert. It was recommended to file a complaint with the CFPB by " XXXX ''. I have not been able to contact a live person/ Fraud department representing " Bank of America XXXX at the time of this writing to ask/inform them of the situation.

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 2023-04-18 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: CA

Complaint narrative:
These are not companies I signed up for yet they're giving missed payments that I was not recognized for please remover any missed chargers or collections from these 3 companies I did not sign up for. Thank you! 

XXXX ) XXXX XXXX XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Original creditor, XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
These loans were taken out in XXXX. The school that they were awarded to was XXXX XXXXXXXX XXXX The degree received is not accredited and can not be used to get an advanced degree. 

There are 3 loans : Loan 1 was disbursed for {$29000.00} in XXXX. We have paid {$34000.00} towards this loan ( minus late fees and other charges ) ; the current balance is {$25000.00}. We are currently paying {$240.00} towards the loan with {$22.00} towards principal and {$220.00} towards interest. 

Loan 2 was disbursed for {$28000.00} in XXXX. We have paid {$31000.00} towards this loan ( minus late fees and other charges ) ; the current balance is {$24000.00}. We are currently paying {$230.00} towards the loan with {$20.00} towards principal and {$210.00} towards interest. 

Loan 3 was disbursed for {$11000.00} in XXXX  We have paid {$8600.00} towards this loan ( minus late fees and other charges ) ; the current balance is {$7100.00}. We are currently paying {$51.00} towards the loan {$13.00} towards the principal and {$38.00} toward interest. 

We still have over 200 payments to make on all 3 loans. That would total over {$110000.00} in interest payments over the next 17 years. This predatory lending and variable interest are stifling our ability to survive. We have no recourse in this matter because it's all " legal '' but I think it's absurd to pay double what was borrowed in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc
State: CA

Complaint narrative:
After telling Possible finance that I was XXXX XXXX XXXX XXXX, they reported negative information on my credit report without giving me written notice. It is illegal for a financial institution to furnish negative information to a consumer report without written notice. 

Duties of Financial Institutions When Reporting Negative Information. Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ).

I tried to resolve the issue with them directly but they refused to comply with the law. This is a willful violation of the law and according to 15USC 1681n I am entitled to {$1000.00} for this.

Within 14 days, ( 1 ) delete this negative remark from my credit reports, ( 2 ) mail me a check in the amount of {$1000.00} for this willful violation to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: CITIBANK, N.A.
State: UT

Complaint narrative:
I ran my reports on XX/XX/23 to verify if the information I requested be corrected was in fact corrected. It was not. The account ( see attached ) remains in error. My request to the company was simple yet they did not correct the information as requested. The credit bureaus will not keep updated information nor do they care. You pay them, I don't, therefore they don't care what happens on my reports. 

You're responsible for keeping accurate records 100 % of the time, the bureaus could care less but I care! These errors are affecting my credit scores in a very negative manner!

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 2023-04-19 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: MO

Complaint narrative:
XXXX XXXX XXXX -- -- attached from courts to delete off credit report immediately XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX My rights were violated with all these companies reporting in my credit report in collections Paperwork attached in file

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 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/2023 In branch with live teller I deposited two checks one check from a large real estate company and the other check from a insurance company. XX/XX/2023 I received several emails informing me my accounts will be closed XX/XX/2023 because od suspicious activity deposit of counterfeit checks the notice also stated the bank reserves the right to close the account sooner under other circumstances I have payroll direct deposit set up on this account the email states any and all direct deposits will be returned the email also states action to take if the account becomes over drafted I immediately contacted the branch where the account was opened my calls were ignored and routed to customer service I spoke with someone name XXXX after waiting on hold for almost two hours I was then transferred to someone else XXXX who told me she was from lost prevention after being on the phone with this person she told me she needed to verify the checks by contacting the maker of the checks she demanded I provide names of the parties who gave me the checks and give her phone numbers for those companies and people I complied with her request again she kept me on hold while she contacted the make of the checks ( was embarrassed and my good name was destroyed after being on the call for almost 3 hours of my work day she told me they would not be closing my account and because the checks were deposited electronically the funds would not be available until XX/XX/XXXX these two checks were local checks I also told her I did not deposit the checks electronically I presented the checks to a live teller for deposit XXXX loss prevention told me I would need to go into the branch to resolve the check holds I went into the branch the next day spoke to a banker XXXX XXXX who called someone internally who told her the funds are being held due to improper endorsement and again my funds will not be available until XX/XX/2023 almost two weeks after the initial deposit I believe the is gross misconduct there is no good explanation for the consistent lies and misrepresentation and hostage hold of my money which has caused me not to be able to pay my bills maibly housing bills on time

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 2023-04-18 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: CA

Complaint narrative:
These are not companies I signed up for yet they're giving missed payments that I was not recognized for please remover any missed chargers or collections from these 3 companies I did not sign up for. Thank you! 

XXXX ) XXXX XXXX XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Original creditor, XXXX ) XXXX XXXXXXXX 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 2023-04-18 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: CA

Complaint narrative:
These are not companies I signed up for yet they're giving missed payments that I was not recognized for please remover any missed chargers or collections from these 3 companies I did not sign up for. Thank you! 

XXXX ) XXXX XXXX XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Original creditor, XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
On XX/XX/XXXX  I received a statement from Halsted Financial for a debt of {$160.00} ( which statement was dated XX/XX/2022 ). I reached out to the original creditor XXXX XXXX XXXX, XXXX and asked why this went to collections considering my account was on auto payments. Also, why I was never given a notice that this account was going to collections or so much as a bill for this account. I was told there was nothing the company can do from a woman named XXXX. That I would have to reach out to Halsted Financial because it had already been sent to collections. I wrote Halsted Financial on XX/XX/ explaining all of these things and asked : 1. The amount and time period of the alleged debt.

2. The full name and mailing address of the original creditor for this alleged debt. 
3. Documentation showing how they verified that I am responsible for this debt, or a copy of any judgment. 
I also mentioned in this letter to cease attempting to collect on this debt until they had provided me with this information. 
On XX/XX/2022 I received another statement from Halsted Financial. I have sent this information to all 3 credit bureaus certified mail. With the exception of XXXX  coming back because of the wrong address. 
I have yet to receive anything from Halsted since. 
I would also like to mention this is the only company that has reported any alleged debt on my credit report. All other companies have my credit listed as exceptional/outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Communication via phone with Experian customer service last year ( XXXX ). 

I told them I believed I was a victim of the Experian hack on XX/XX/XXXX and XXXX, XXXX, due to not having access to my basic account to manage my security freeze online. 

I explained to them that I have yet to be able to access my limited Experian account via the website, which is preventing me from managing my security freeze or accessing my free credit report online. I called Experian to resolve this issue over three days and was on the phone for more than 5 hours with no resolution. It was even suggested by Experian customer service to create a new account with an email, the same way Experian customers were hacked on XX/XX/XXXX and XXXX, XXXX. 

My account has existed since XXXX ( I have provided my Membership ID and SSN ), and I could access my account in XXXX and XXXX, but customer service said my online account did not have any personal information, which I find strange. 

Also, I called today, XX/XX/XXXX, and was on the phone to resolve the issue with accessing my limited Experian account for over an hour. I was told my case was escalated before the call was dropped on Experians end. I will call back tomorrow to resolve the issue for the 5th time. 

Today, XX/XX/XXXX, I called the automated line to lift the security freeze on my credit file temporarily after supplying my data and security freeze pin during the automated process. I was transferred to customer service after verifying information via the automated system. The 1st customer service representative hung up on me. The 2nd customer representative stated that I needed an account and noted the same talking points as previous representatives. 

I asked both customer representatives to look at Complaint number # XXXX, so they could understand my frustration with Experian denying me access to managing my security freeze online and thru the automated phone system. It has been almost a year with no access or resolution to this issue. I am tired of my call being hung up and representatives dismissing my concerns ; I need to communicate with someone to assist me with this issue. 

Please resolve this issue as soon as possible because this prevents me from accessing my limited Experian account via the website.

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 2023-04-18 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: IL

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my identity theft report, I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized MXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with explanation