vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was charge thousands of dollars online from A website.. It clearly was fraud.. Most claims was filed separately ( more than 1 claim number ), but the bigger one was denied.. How did all my claims get resolved and refunded but the bigger one, when it all came from the same merchant?

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 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Closed consumer Truist business account

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 2023-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX 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 2023-11-03 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-03 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX 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 2023-11-03 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Please remove XXXX XXXX XXXX  Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

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 2023-11-03 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
To : { XXXX, XXXX, XXXX, AidAdvantage to include any other reporting agency! } Subject : Request for Removal of Student Loan Debt Information from Consumer Reports Under the Family Education Privacy Act of 1974 and Reporting of a ( DEBT that has already been XXXX by the GOVERNMENT ) Dear Sir/Madam, I am writing to formally request the removal of my student loan debt information from my consumer reports in accordance with the Family Education Privacy Act ( FERPA ) of 1974. I firmly believe that the presence of this information on my report may be in violation of the law, and I wish to outline the basis for my request as follows : 1. FERPA Protections : FERPA is a federal law designed to protect the privacy of student education records. As my student loan debt information may fall under the purview of FERPA, its inclusion on my consumer reports could potentially infringe upon my privacy rights as a student borrower.

2. Disclosure Without Consent : FERPA generally requires educational institutions to obtain written consent from students before disclosing their education records. If my student loan debt information has been reported without proper consent or in violation of FERPA, I request that it be addressed and rectified accordingly.

3. Privacy Rights : In consideration of FERPAs core principles regarding the confidentiality and privacy of student records, I kindly request that you investigate the reporting of my student loan debt and take necessary actions to ensure that my rights under FERPA are upheld.

I request that the Consumer Financial Protection Bureau review the reporting of my student loan debt in light of FERPA and take appropriate measures to address any potential violations of the law.

Enclosed with this letter, you will find supporting documentation and evidence that substantiate my claim. I am prepared to cooperate fully in any investigation or provide additional information if required.

I appreciate your immediate attention to this matter and kindly request that you keep me informed of any steps taken in response to my request. Please do not hesitate to contact me if further information is needed. 

Thank you for your assistance in addressing this issue and ensuring compliance with the Family Education Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: CA

Complaint narrative:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Balance : {$11000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Please remove XXXX XXXX XXXX Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

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 2023-11-03 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: IA

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX was working with Rocket Mortgage on the purchase of a new home. XXXX XXXX ( XXXX, XXXX XXXX ) in Rocket Mortgages closing department reached out on XX/XX/XXXX  letting me know he would be handling our closing paperwork and making sure we were clear to close. This appears ligament. Once we were clear to close ; closing was handed off to Rocket Mortgages closing department with XXXX XXXX XXXX XXXX, XXXX XXXX ). The last correspondence with XXXX XXXX was on XX/XX/. 

On Monday XX/XX/, I received and email from what appeared to be XXXX XXXX but I unfortunately did not catch the incorrect email nor change in phone numbers in the email. This person who I will refer to as XXXX for XXXX XXXX XXXX ( XXXX, XXXX XXXX ) posed as XXXX knowing my closing was coming up this week on XX/XX/XXXX   and requested that I do a Wire Transfer on Monday XX/XX/2023 ASAP so the fund would be at the title company XXXX XXXX XXXX XXXX for when we signed our closing paperwork today, Thursday XX/XX/2023. 
I did not get to XXXX XXXX XXXX, XXXX, Ohio office until right before XXXXXXXX XXXX. We setup the wire transfer to occur Tuesday XX/XX/2023 morning. XXXX XXXX XXXX  processed the transfer around XXXXXXXX XXXX on Tuesday XX/XX/2023. We even email the real XXXX XXXX at Rocket Mortgage that the wire transfer was in flight and monitor for it which he acknowledged. 

On Thursday XX/XX/2023 at XXXX XXXX XXXX XXXX, signing the closing paper work it was mentioned about the wire transfer and we let them that it happened on Tuesday XX/XX/2023. The XXXX XXXX XXXX went looking for the funds and it was not received. Then upon investigation we discovered that we had been fraudulent financially scammed out of down payment. 

We have all the email to back this up. I appears that Rocket Mortgages email system has been hacked. Why do I say that. I have emails from XXXX XXXX and XXXX XXXX where they stated that they were having email issues and emails were not received. When the emails were resent then they were received on the second try. This is likely where the Hacker intercepted ( my suspicion ) these emails. Also the email received from XXXX on Monday had many details that would otherwise not have been know and XXXX did a very good job of making this look like a valid and real wire transfer. 

Please contact me at XXXX for with any questions, details and documentation. 

At this point as of XXXXXXXX XXXX XXXXXXXX on Thursday XX/XX/2023 we are without the funds from the wire transfer. 

Amount of the wire transfer was $ XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted the front of my id, a utility bill and my social security card to transunion credit reporting agency in my defensf of trafficking. I provided documentation to prove Ive received couseling from the givernmnet official agency about my situation. Transunion has not responded nor remove blocked and deleted the debts from my credit report. I provided all documentation as well as a self attestment validated by a court appointed rep. from the courts with the time stamp and dates on it. I am 8n compliance with the final rule which establishes me as a victim of debt bomage. Can you please block this information from my cra reprot immediately within 4 business days as stated in the fcra 605c. I have included all the items that were asked to be blocked and delete but nothing as happened and it has been well over 30 days. Ive included the certified mail to provve that this dispute was sent and received as well as ignored. 

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 explanation
Consumer complaint received 2023-11-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 2023-11-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have asked Equifax for my credit report and they will not give it to me. I asked them to clean up some things such as old outdated information. I have a report dated XX/XX/2023 Confirmation XXXX, XX/XX/2023 Confirmation # XXXX, and XX/XX/2023 Confirmation # XXXX. I had a dispute regarding my report and now Equifax will not allow me into the system to speak with a live person stating that I can't be verified through their system even though I just spoke with someone named XXXX with ID # XXXX on XX/XX/2023. I am also being told that I do not have a credit file with them but I have just given you ( CFPB ) three confirmation numbers above from order credit reports. This is a malicious move and it is against the law. Equifax has no right to keep my file from me. Here is another report from XX/XX/2023 confirmation # XXXX I have correspondence from Equifax dated XX/XX/2023, stating that I made a report that I believe that I was a victim of identity theft. I never made such a report. I also have a letter dated XXXX XXXX that Equifax was unable to locate a credit file for me in their database. This is an outright lie. when I have all these letters from them. Also, the agent XXXX ID-XXXX told me that she had lifted the freeze on my file and she did not I had to go online and do it myself. The reference number she gave me is XXXX and for my report XXXX. I can trust their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a XXXX XXXX credit card with Capital One, and have accumulated over XXXX miles for travel. Today I signed into my account to set up a miles transfer to an airline. I was able to log in to my account after signing in with my credentials and the 6-digit code Cap One texted me as part of their dual authentication process. However, when I landed on the Rewards page to set up the miles transfer to the airline using the " Convert rewards '' button, I received an error message saying, " Looks like we don't have the necessary contact info to complete a security step. '' This message in itself is a lie and deceptive, as that exact phone number is what was used for me to receive the 6-digit code from Cap One in order for me to access my accounts. This error message only appears when I try to set up a miles transfer. I called Cap One and the representative told me their system has an " issue '' and miles transfers have not been available to cardholders since XX/XX/XXXX- that's almost one month! I follow a page on XXXX for this credit card, and there are cardholders who stated they have been able to set up miles transfers recently, so I don't understand why I can not. This credit card costs {$390.00} annually and it advertises a cardholder 's ability to make miles transfers to airlines. Since I am unable to, I feel their advertising is deceptive and it is unfair for me to be unable to make miles transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I applied for the save plan in XXXX and it was received. They asked for my pay stubs I sent them at the beginning of XXXX. I have gotten 3 different emails over the month saying I need to submit my pay stubs yet every time I call they say they have them. I submitted them on the website. I was put in forbearance in XXXX while they review my application, less than a week later my payment went from {$300.00} to {$2100.00}. When I called and asked why this happened the customer service rep told me she didnt know but I had to consolidate all my loans in order to qualify for the save plan. I called back because it didnt sound right and the next rep told me this is untrue. Thank god I didnt do it. Everytime I call they tell me my application is processing, but I get no updates and it is never completed when the rep says it is. I have been getting wrong information at every turn and it is very frustrating.

Company response to consumer: Closed with explanation