vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CMI Group, Inc.
State: WI

Complaint narrative:
POA is attached with this complaint. Credit Management LP has ruined my reputation by way of reporting false and misleading statements that hinder my ability to obtain personal goods and services for my household needs. Credit management never had a binding contract with my person. 
Thier must be mutual assent and valid consideration for a contract to be binding. I need a certified copy from the Secretary of State signed and sealed stating Credit Management lp has the authority to act on behalf of XXXX XXXX XXXX 
I demand a swear statement under penalty of perjury that XXXX XXXX Lawfully owes this debt. 

I request that Credit Management Cease and Desist all further attempts to collect until this matter is addressed point by point in the notice given below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
holding my deposit money for no reason. asking for previous banking statements, then requesting my drivers license and wont release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
ON XXXX XXXX XXXX XXXX  NOTICED MY TD BANK ACCOUNT WAS DISCONNECT FROM MY EXPERIAN ACCOUNT WITH-OUT MY PERMISSION, I IMMEDIATELY CALLED TD BANK SPOKE WITH THEIR REPRESENTATIVE AN EXPLAINED MY SITUATION, TD BANK WOULD NOT RESOLVE MY PROBLEM OF RECONNECTING ME TO MY EXPERIAN ACCOUNT. 
 
I NEED HELP 
WITH THIS PROBLEM IT HAPPENS EVERY OTHER MONTH!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX I received paperwork from Bank of America on My Business Account. Someone had gone online and Opened a Business Checking and Savings account using all of my Business information. I went to the local Branch in XXXX CT. I was told that I would receive a Fraud report that I needed to fill out within XXXX business Days. After XXXX business days, I called the Fraud number to AGAIN request the Fraud report. Within that time I received a Debt card and PIN number on this same fraudulent account. I was again told within XXXX days I would receive a fraud report that I needed to take to the branch and I would receive this by email. AGAIN I waited 5 days called back was on hold for XXXX minutes before I was able to talk to someone who again said I would receive the fraud report within 5 days. After Finally receiving the report I went to the branch filed the fraud report and was told to wait 5 days to call to make sure they received my paperwork. Over the weekend I received Bank statements because they still have NOT closed this account. 
Bank of America should NOT allow business accounts to open online, this is a VERY BAD business practice and very much hurts consumers. It has created a HUGE Problem for me that I need now follow up almost daily because of Bank of America Bad business practice

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 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Since my payments have resumed I've paid nearly three ( now four ) times the amount of my monthly loans, and they have all been considered " late '' for every month. 

I called on XXXX with no resolution other than being told my first payment of {$510.00} on XX/XX/XXXX ( applied towards XX/XX/XXXX ) wasn't allocated correctly therefore didn't count because I chose which parts of my loans I wanted my excess amount to be applied to. I took that as a lesson learned then paid for the total remaining balance for XX/XX/XXXX which was quoted as {$210.00} which was paid on XX/XX/XXXX. After this I received a statement on XX/XX/XXXX via their website in their inbox stating I had a {$0.00} balance for XX/XX/XXXX with a full breakdown of what I will owe, per loan, for the next due date on XX/XX/XXXX. 

On XXXX I received a past due notice staying I was {$26.00} behind on XX/XX/XXXX and hadn't paid anything for XX/XX/XXXX. Afraid to cause damage to my credit score I paid a second time for XX/XX/XXXX and am fearful I will still be considered late on this payment. 

Once I called completely confused how I could possibly have a statement that claims {$0.00} due but a past due notice as well I was given no resolution other than their system claims I'm behind therefore I have to pay. The person I talked to refused to pull up the statements I was referring to where it stated I owed {$0.00} and just continued to keep repeating I paid my loans incorrectly and must pay again to avoid delinquency. 

At this point I have no idea to do since it appears they can charge me as many times as they want in a month and claim their systems say I'm late when contacting them about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

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

I have already disputed these accounts but the bureaus did not remove them, nor prove validation.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
The company reported that the account was closed XX/XX/XXXX The company stated that the account has been charged off years ago and still shows a balance. According to consumer law all information must be accurate. The company has caused me to have financial and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please examine the enclosed documents. I urge the bureau to initiate an investigation into these accounts, which falsely report me as late even though I have never been late on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On ( Date ), I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
On XXXX XX/XX/2023 I contacted citizens bank about my online account profile being locked. Customer rep. said that I will receive letter explaining the closure of account. In the meantime I didnot receive the letter so I contacted them on XXXX XX/XX/2023. They again said that I will receive letter in my mailbox. It has been 12 business days and I have not received any letter yet. Before that I deposited two checks and were confirmed to be cashed by the bank. I have any received any refund check yet as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This account is a result of fraudulent activity. This account was excessively over charged overdraft fees and duplicate unauthorized transactions. The company is using a third party that I have no contract with to call me, send letters and add adverse information on my credit report. These companies together has caused me financial and emotional distress. This account has caused me to financially scared causing me to be denied credit and or charged higher interest rates with low tier creditors.

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 2023-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I never had this credit card and its affecting my credit and they keep sending me stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Good morning really I want to get higher limits on my cards becuase I have good card and great standings with XXXX  and nfcu. Chasing financial freedom starting to move things out the way with credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened my Checking account with Capital One in XXXX. It has had about {$200.00} in the account since XXXX  and no fees have been charged to the account. In XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I was charged {$8.00} fees on my account. I was never charged fees before or after this point. I called Capital One to ask them why these fees were charged and they said it was a maintenance charge because my balance was below {$300.00}. I asked them why these fees had never been charged before or since and the agent told me Capital One had the right to charge these fees and would not waive them. I would not have kept this account open if I new it was accruing fees- I have XXXX XXXX saved with Capital One in no fee accounts and I was never charged a fee on this account since I opened it until 5 years later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
The payoff amount was {$97.00} short. Upstart claims that I did not turn autopay back on after the payoff amount was received, but I contend that I did. They reported the {$97.00} late to the Credit Bureaus. I asked them to remove the late payment report, but Upstart will not do so. I contend this is a glitch in their system. I paid all payments prior to this on time via autopay. I do not understand why Upstart is drawing a hard line on a {$97.00} payment given my history and given that the loan was being paid off in full. Additionally, the moment I was aware of the error I paid it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
changes banks through chase amazon card, autopay setup after change, but chase processed payment with old account twice, didnt realize they '' re mistake until XXXX XXXX XXXX score change, chase failure on they '' re part didnt make me aware until after they reported it to reporting agencies, paid the {$20.00} and closed account, filed a dispute with both XXXX and XXXX, and insult to injury chase sents me credit journey report and lowers credit score. its they '' re failure to process autopay not mine.

Company response to consumer: Closed with explanation