vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this joint dispute and demand for investigation regarding the unlawful actions of credit reporting agencies XXXX and Transunion. 
For over at least 1 month, I have disputed fraudulent and unverified accounts reported through both bureaus. Despite legitimate requests for documentation and verification under the FCRA, neither agency upheld their legal obligation to properly handle multiple disputes. 
XXXX and Transunion merely stated the debts were 'verified ' yet failed to ever provide a single original document providing these accounts belong to me or that I owe the reported balances. 
Their dereliction of duty has caused immense harm, lost opportunities, debts and damages that I am still negatively affected by as the consumer and natural person identified. I am requesting the CFPB open an immediate joint investigation into XXXX and Transunion for their blatant and ongoing disregard of my consumer rights. 
I am also formally requesting all appropriate legal damages be assessed and awarded from both bureaus based on extensive harm done throughout years of unlawful reporting activities. Timely remedy and justice are needed to undo the damage caused and ensure accurate credit files moving forward pursuant to applicable consumer protection laws.

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 2023-12-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not given me an updated credit report and score for XXXX XXXX. Also, I paid for a subscription, and they still did not update my account or show me the current report and score. 

I called them XXXX times and was on the phone with a rep for XXXX XXXX each time, they were not able to update my account saying it's a glitch. even on my other apps the credit report comes back over XXXX XXXX XXXX 

I have been turned down magnitude off times because Experian has not been able to show a credit report or score for me in over XXXX XXXX  please update my report and score and fix my Experian account please.

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 2023-12-19 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: MD

Complaint narrative:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from my credit report.

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 2023-12-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
*I am filing a new CFPB complaint as advised by a CFPB customer rep since the Resolution Specialist I was assigned, XXXX XXXX XXXX from the Bank of America regulatory complaints department XXXX a voicemail on XX/XX/XXXX stating that they were able to address my concern and that I would be receiving a written response from them. I have not received any written company response via mail. I provided my up to date address in my previous CFPB Complaint, but I don't know if they sent a response to my former address since they are not responding. I have called the XXXX at the number she provided ( and extension ) and left a voicemail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but have not received a call back. I even sent an email to her on XXXX, but she did not respond. * I have XXXX prepaid XXXX cards ( XXXX for {$100.00} and another for {$220.00} ) by Bank of America that I received from XXXX XXXX that expired at the end of XX/XX/XXXX. I tried to use them on XX/XX/XXXX, but they would not work. I called Bank of America XXXX Prepaid Card Customer Service on XXXX and after entering one of the card numbers, it stated that the card had expired. 

When I spoke with a live customer service representative, they stated that the account was closed for both cards. Since this date I have also called on XXXX, XXXX, XXXX, and on XX/XX/XXXX. Throughout these times I have asked if I could be reissued a new card for the amount minus the replacement fee or if I could receive a check. They stated that both accounts show {$0.00}, even though I did not spend any of the money on either. I called again on XX/XX/XXXX to find out if the money was forfeited to them and they could not answer this for me, even when I spoke with a supervisor. Bank of America basically stated that they could not do anything for me and left it at that. 

If needed, I have both cards and any additional information needed. I also attached a letter that I previously received from Bank of America for a different prepaid XXXX card where they stated that if the card were to be deactivated, they would mail me a paper check of the remaining balance. This is why I am wondering why they will not do this with the XXXX prepaid cards that I currently have.

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 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC.
State: MD

Complaint narrative:
Greetings, I'm a XXXX years XXXX XXXX XXXX XXXX XXXX military veteran. I'm also the XXXX, XXXX of Directors for my XXXX. 

I'm filing a complaint against First Citizens for banking errors, security concerns, continuing to give the former property management company access to my XXXX 's bank account, continuing to use the former property manager 's address instead of using my address, sending a cashier 's check to the wrong address despite my clear written instructions, First Citizens sending the cashier 's check to the former property management company instead of contacting me and sending the cashier 's check to me, denying and questioning my fiduciary duties to pay vendors, delaying payment to vendors, biased treatment towards me, harassing First Citizens emails to close account despite documentation to keep account open as long as I need it, etc. 

My fellow board member and I took over the First Citizens ( formerly CIT Bank XXXX XXXX Bank accounts on XX/XX/2023 due to the former property manager 's unauthorized bank transactions and breach of contract. This was documented in many emails with the First Citizens Bank employees. 

First Citizens Bank has on file the notarized and signed XXXX transition form that removed the former property management company and granted only me and my fellow board member sole access to the XXXX accounts. 

In addition to the XXXX transition form, First Citizens oddly requested our XXXX  's meeting minutes and inquired about proof that the former property manager breached the contract. I say this because this is the beginning into the questionable banking practices and biased treatment towards me. 

I will send some attachments of undeniable facts regarding the First Citizens actions and treatment towards me. I have more evidence to provide upon request. 

In the end, I want to be treated fairly and with respect like other banking patrons. I do not understand the actions of these First Citizens employees towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-12-18 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification of FCRA Violations Needed in My Credit Report Dear Transunion, I hope this message reaches you well. I'm writing urgently to address critical discrepancies in my credit report that directly contravene the Fair Credit Reporting Act ( FCRA ) guidelines. Upon thorough examination, it's evident that several errors persist within my credit profile, signaling a significant oversight of FCRA compliance within your agency. 

To elaborate : The Fair Credit Reporting Act serves as a fundamental federal statute governing the collection and reporting of consumer credit information. It mandates precise acquisition, retention, and transparent sharing of a consumer 's credit data. 

Instances of FCRA violations I've identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies due to name or social security number similarities. 
Neglect of prescribed dispute-resolution protocols by agencies. 
My rights under the Fair Credit Reporting Act encompass : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information within my file has been used against me in credit applications or other transactions. 
The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information, typically after seven years ( ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items blatantly violate FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused substantial distress, notably reflected in my recent denial for extended credit, stemming from errors originating from your agency. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

I urgently implore swift action to rectify these violations within the timeframe stipulated by the FCRA. Failing to address these concerns may necessitate further measures to ensure compliance with my rights under the FCRA. 

Best regards, 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 2023-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
It is inconceivable that, in the face of irrefutable proof of fraudulent activity, your bureau continues to deny the removal of these accounts. I find it absolutely unacceptable that I should suffer the consequences of identity theft or erroneous reporting when I have diligently followed the proper procedures to rectify this situation. I was the victim & Im not sure why the FCRA is not complying with the law. This is not how victims should be treated. I am asking for justice and yet, it seems you do not give any attention and ignored our complaint. 
XXXX XXXXPLEASE DELETE!!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand an immediate and thorough investigation into why these fraudulent accounts persist on my credit report, as well as an explanation for the repeated denials to remove them. It is your duty as a credit reporting agency to ensure the accuracy of the information you provide, and the presence of these fraudulent accounts contradicts the principles of fairness and accountability. 
I insist that you take prompt and decisive action to rectify this gross oversight. The burden of proof rests squarely on your shoulders, and I expect your agency to act in accordance with the Fair Credit Reporting Act ( FCRA ) to promptly correct this damaging error. The continued presence of these fraudulent accounts is not only damaging my credit score but also causing undue stress and hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I was issued an insurance check for {$10000.00}. This check required the co-signature from Freedom Mortgage. 
In XX/XX/2023, I mailed both the check and the full adjusters report to them. After which I didn't hear anything back from them, or on my file thru the website. I tried by phone to contact someone several times who can help and every time I got delayed, disconnected and hung up on while transferring my call. 
On XX/XX/XXXX, they finally responded to my email requests : " Your checks were submitted for endorsement on XX/XX/2023. Please allow 6-8 business days to process and mail. The check will be sent back via USPS which can take up to 14 business days to arrive. '' But they took so long the check was expired before they co-signed it. 

On XX/XX/XXXX, I received the now expired co-signed check. 

On XX/XX/XXXX, I emailed them stating : " I need to have the replacement check signed too. The original expired and can't be cashed or deposited. You still have all the documentation as I do not have another copy. It is the same claim and amount. How do I send it? '' On XX/XX/XXXX, they replied : " Notes added to claim. Please mail endorsed check to : Freedom Mortgage C/O PFIC Attention : Loss Draft XXXX XXXX XXXX XXXX XXXX XXXX '' After several days dealing with the insurance company for a replacement, on XX/XX/XXXX I mailed it to them. 
Only after waiting a long time again and hearing nothing, On XX/XX/XXXX I sent them an email stating : " I sent the replacement check to the address 2 weeks ago. Can you give me an update as to when I should expect it back? '' Then on XX/XX/XXXX, they replied : " We are in need of the full updated adjusters report from your insurance company, please reach out to your adjuster and request a copy be sent to this email address. '' They signed an EXPIRED check, left the claim open for a replacement and then did a 180 and requested a separate full Revised adjusters report with duplicate information that doesn't exist. It doesn't makes sense. They have the original report and nothing changed. The issue is they signed an check that was expiring under their possession and they are supposed to check that along with the documents I previously supplied and enter that information into the claim report. They should have notified me about the check expiring. I told them after the bank wouldn't accept it. It should have been a simple check replacement. 

This is unprofessional conduct and results in harassment.

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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: RI

Complaint narrative:
I have tried calling into Nelnet since the start of the repayments to ask about the relief on of my XXXX loan that has been in repayment status since XXXX. I am never able to actually reach a representative unless I want to wait on the phone for over an hour. I am sorry but I don't have this type of time to waste on the phone. I did transfer the loan from XXXX in XXXX of XXXX to be able to qualify for this relief that is being given per XXXX XXXX. I did reach out to student aid.gov and was told to reach out to my student loan provider. I have also sent a few email through the Nelnet portal, I still have not received a type of response from the email back in XXXX of XXXX. I also can not find any of the sent emails as Nelnet will not show the sent emails, only the inbox. 

I tried again to reach out to them on XX/XX/XXXX to find out a couple of question : XXXX the status of my XXXX XXXX XXXX XXXX XXXX application that I had to do AGAIN in order to afford my payment. not happy as it looks like it is resetting the loan back to XXXX payments on my XXXX and graduate loans. XXXX. I just made a payment of XXXX on XX/XX/XXXX and the applied it how ever they felt. I wanted this to be applied to outstanding intrest. XXXX. I again want to see about the relief on my XXXX loan. When I finally made it through all of the prompts it was an estimated wait of XXXX mins. This is just unacceptable for a company to leave its customers in the dark with very little communication regarding this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: TX

Complaint narrative:
On or around XX/XX/2023, and XX/XX/2023 I sent letters via certified mail that also included a copy of my driver 's license and a utility bill to verify my identity to Vance and Huffman. I sent the letters after I obtained a copy of my consumer report and I saw that they were reporting a debt. I requested verification that shows it was me who owed the debt. I requested to have the documents with my original signature as I am a victim of identity theft and have identified several names and addresses on my consumer report. Vance and Huffman has failed to provide me with the proper disclosures for verification of this debt however they continued to send letters and call me to collect on a debt that I do not know of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: CA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i wasnt involved with opening these accounts. these are not my accts.

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 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
XX/XX/2023 Jefferson Capital Systems called twice. The first call I was told they were going to dispute claim and send me paperwork. Then on XX/XX/XXXX they called me again and said I have a debt collection and I told them I do not have an account with them and have filed a dispute and I told them what I was told on prior call, that they were suppose to be filing a dispute. I was told again they were sending me a fraud package and it would take 30 days to receive it. I was told to complete paperwork and send it back. 
They say this debt originated from a company called XXXX, I have no clue who this company is or what this debt is for. Now I have 2 collections accounts from Jefferson Capital on my credit reports. Also I have disputed an address and a phone number on my credit report that do not belong to me with the credit companies. I need help in getting this off my credit report, this is identy fraud. On XXXX I spoke with XXXX and they directed me to file complaint with you, because their investigation about the dispute was verified as accurate which is incorrect.

Company response to consumer: Closed with explanation