vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX XXXXXXXXBalance Owed XXXX {$7200.00} ; XXXX  XXXX Balance Owed : {$1700.00} ; XXXX Balance Owed : {$3400.00}.

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 2022-09-30 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX  XXXXBalance Owed XXXX {$7200.00} ; XXXX  XXXX Balance Owed : {$1700.00} ; XXXX Balance Owed : {$3400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: MN

Complaint narrative:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Balance Owed : {$6100.00} XXXX Balance Owed : {$2700.00} XXXX  XXXX Balance Owed : $ XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2022 US Bank received my check for the amount of {$25000.00}, cashed my check and never applied the check to my auto loan balance. After I received notification that my check was cashed I called US Bank and they assured me that they were doing some calculations to apply the amount to the outstanding balance. After about 15 days I received a cashier 's check from US Bank for the same {$25000.00} XXXX sent to them. I called them and was told that since my balance was lower than {$25000.00} they refunded me the check. I tried to cash the check but they had put a stop payment to the check. I called them and was informed that they would send a new check without explanation why they had put a stop-payment. I have not received the check from them since XXXX. In the mean time I have my auto loan with them for which they charge me {$1200.00} interest every month. So my money is sitting with them without gaining interest but their money gains them {$1200.00} every month. I have been calling them from XXXX on and it seems like I am dealing with a XXXX XXXXXXXX XXXX  bank. I have never seen a bank this incompetent and unorganized. One telephone number to call for all your US Bank needs, and no one knows what is going on, except for the manager will call me. No check, no phone calls only my payments to them for the loan that must have long been paid off.

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 monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2022, I was admitted to the XXXX XXXX XXXX XXXX XXXX resulting from a XXXX XXXX While under their care, my wallet ( containing my Navy Federal Credit Union access number ) and personal belongings were out of my possession. When I was discharged ( XX/XX/XXXX ), I saw that someone had forged my signature on the discharge papers and even spelled my name wrong. It was not a family member because the hospital did not allow any family members to visit me. My daughter brought a change of clothes to the hospital but had to hand them off to a security guard who gave them to me and the security guard had to escort me to the car to go home. On XX/XX/XXXX, my wife discovered that our Navy Federal Money Market and savings accounts were empty and they told her that I had withdrawn the money online, but I do not bank online. We filed a fraud claim with the credit union, contacted our other bank ( XXXX XXXX XXXX XXXX XXXX credit cards and learned all of our joint accounts were maxed out or depleated. I filed a report with XXXX XXXX Police, fraud report with XXXX, XXXX 'XXXX XXXX XXXX, as well as identity theft fraud report with Social Security, the FBI, and the XXXX XXXX XXXX I have also received numerous notifications of credit denials ranging from {$20000.00} to {$70000.00} from all over the country which I did not apply for. One of them was from XXXX and I informed them that I am not a member and did not apply for it and to mark it as fraud. I notified all 3 credit agencies and had my credit score/report frozen. I continued to receive credit cards in the mail ( which I did not apply for ) with credit limits up to {$5000.00}. I have contacted all financial institutions reporting the fraud and shredded the cards without activating them. Every financial institution involved has been very helpful in working to resolve this issue except Navy Federal Credit Union. The branch manager ( XXXX, VA XXXX, XXXX XXXX, was very rude. He even told me that even though the bank found some of the money from our joint account ( {$5500.00} ) and the claim was valid, Navy Federal would not return the money to our account, but we could still continue to bank with them. XXXX XXXX told us that the funds were unavailable, despite the letter from Navy Federal that I received stating that the {$5500.00} would be returned to our account. Thank you for your attention and help in this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name : # : XXXX XXXX Account Name : # : XXXX XXXX Account Name : # : XXXX XXXX XXXX have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the follo
wing 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 explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions bank overdraft overcharge fees

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 2022-09-30 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have sent and placed several telephone calls to XXXX and Experian regarding the Bankruptcy that listed on my credit report that I am requesting to have deleted immediately and a financial compensation of {$3000.00} granted to me due to the financial harm it has caused me. Over the past several years the alarming rise in identity theft due to security breaches arising in part from the growing amount of personal data on individuals that is now available electronically through public sources, has prompted the federal courts to amend the Bankruptcy Rules 1005 and 2002, which took effect XX/XX/XXXX. I have recently been contacted by XXXX that my information was exposed in their data breach in addition to my personal information being compromised in the XXXX, XXXX, and XXXX data breaches. 

These rule changes require the United States Trustees and the XXXX XXXXXXXX trustees to change certain procedures relating to debtor identification. Rule 1005 was amended to implement the Judicial Conferences privacy policy limiting disclosure of a debtors full Social Security number ( SSN ) on bankruptcy petitions to only the last four digits. Because of this fact, how can the Credit reporting bureaus verify that the bankruptcy based on this policy utilizing the XXXX system belongs to me by reviewing the last 4 digits of a social security number. 

Also, Rule 2002 ( a ) ( 1 ) was amended to require the Bankruptcy Clerk to include the debtors full SSN on the Section 341 meeting notice that is sent to creditors, the U.S. Trustee, and the case trustee, but not on the Section 341 meeting notice that becomes part of the court record. Again, because of this fact, how can the Credit reporting bureaus verify that the bankruptcy based on this policy utilizing the XXXX system belongs to me if my full social security number is not included in the court record. 

In addition, I am attaching a letter from XXXX XXXX who is a 3rd party data furnisher for Experian, and they do not have a record of me in their system. I have submitted a request to XXXX XXXX on 3 occasions and each time have been told that there is no record on file for me. I am also attaching an email from the XXXX XXXXXXXX branch, and it states that XXXX  does not contact consumer reporting and credit reporting agencies. XXXX simply provides access to federal court records.

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 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2020 I had over XXXX in my account I kept getting charged a {$35.00} fee then started getting charged a {$500.00} holding fee which I never understood. I would log in to check my balance and it would show XXXX for a return holding fee that was tooken from my account and was never returned they next day XX/XX/2020 I checked my account and had 2 - {$500.00} for a return fee regions was taking my money I ended up closing my account and never opened another regions I was told to dispute the transactions and I would recieve my money back its been almost 2 years and I never gotten a penny back over XXXX of hard earn money tooken from me from a bank that I thought I could trust.

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 2022-09-30 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: FL

Complaint narrative:
The method of how Nelnet is handling refund requests has no structure. Please see the below timeline : XXXX called Nelnet to request a refund for my payments. I was told the request was submitted and I would receive an email or a call about the status. 

XXXX or XXXX called again and spoke to a Rep that gave me general information and stated the the department thats processing the refunds arent taking calls, but I would probably receive an email. 

XXXX submitted an email, but received an automatic response stating it would take them 5 days to respond, so I decided to call later on that day. 

XXXX called Nelnet and was told my refund request is in the system, but due to the volume, it would take XXXX weeks to process now. 

XXXX received an email response stating they need additional information to review my account. 

XXXX decided to provide them with the information needed to look deeper into my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, sent me a debt collection notice regarding a {$50.00} bill allegedly owed to XXXX XXXX XXXX, which I had already paid by the time I received the notice. This followed a dispute over an unpaid insurance claim, over which XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX dragged their feet for months over who was responsible for what portion of my medical expenses from XX/XX/XXXX, which were supposed to be covered retroactively by XXXX and which I had already partially paid in advance. I can only assume that my refusal to pay what was owed by somebody, but not by me, is why my account was referred to debt collection. This referral was unjustified : As soon as the amount I allegedly owed was reduced to one that made sense, I paid it, and I documented that fact to XXXX. 

Despite having paid my bill already, I was targeted on XXXX XXXX, XXXX, by a deceptive robocall originating from ( XXXX ) XXXX, a number originating from XXXX 's area code and associated with telemarketing and debt collection, which used my full name including middle initial in an attempt to get me to call a toll-free number that belonged to XXXX. I wrote XXXX  a letter warning it that I had no patience for that sort of shady practice and that if it contacted me again, I would report the fact to the FTC, the CFPB, and the XXXX and XXXX attorneys general. 

Since then, I have received no communication of any kind from XXXX XXXX XXXX requesting that I pay that billas is right and proper, since I paid it a long time ago, and my current balance with XXXX XXXX XXXX is XXXX. However, today I received a notice from Professional Placement Services LLC of XXXX attempting to collect the exact same nonexistent {$50.00} debt. 

I have no patience for THIS sort of shady practice, either, and I'm writing a letter to Professional Placement Services informing it that this time I AM reporting these facts to the FTC, the CFPB, and the XXXX  and XXXX  attorneys general.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Back when i had an regions bank account from XX/XX/XXXX to XX/XX/XXXX i kept getting over draft fees when i never even did anything to get overdrawn and plus i would get randoms fees taking out out of no where i complained about It for so long i just decided to leave because of the random fees

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 2022-09-30 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation