vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 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: MO

Complaint narrative:
There have been numerous amount of contact with Transunion regarding reporting the fraudulent accounts reporting on my Transunion credit report some accounts were deleted in my favor by submitting all necessary documents such as my FTC reports, Identity theft affidavit, previous CFPB reports, verifiable electric utility bills at the time any fraud account was opened to validate my ACCURATE address which is not the address the fraudulent accounts are reporting from a residence that was previously obtained and havent accurately be reported by me since the first month of XXXX  at the age of XXXX and current electric utility statement to verify my current address, screenshot of MISSOURI PUBLIC RECORDS FOR CASES that connects me to my previous address not the address attached to the fraud accounts which will also verifies my accurate address at the time the fraud accounts were opened, and SSN CARD/ STATE ID ( all documents will be attached to my CFPB report. Transunion has been delegating my file number ( XXXX ) fraud disputes between 2 main internal departments Consumer Relations and special handling department. My most recent reinvestigation included XXXX whom is notoriously known for having consumer lawsuits brung against them for inaccurate reporting, resulted in the fraudulent account being DELETED in my favor but its collection account still remains and within my efforts to gain clarity as to why the collection account remains after the original creditor account had been deleted due to fraud after the special handling department claimed that the XXXX  account still remained on my transunion report while Transunions consumer relations department confirmed otherwise that the XXXX  account was indeed deleted amongst other fraud accounts I also can confirm my transunion credit profile being obtained through XXXX XXXXXXXX XXXX XXXX, XXXX XXXX that also confirmed the fraud account was indeed DELETED!!! Transunion special handling department has given me a VERY HARD-TIME SEEKING CLARITY on why two separate internal departments are claiming conflicting information which also clearly proves the investigation process by Transunion is not properly being handled blocking these fraud accounts!!! Every phone call should have been notated by each department to validate my current claims and any communication with Transunion during this STRESSFUL PROCESS AS A FRAUD VICTIM. This will be my last attempt to resolve this without bringing these issues to a court of law with INTENT TO SUE violating my consumer rights.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed in XX/XX/2023 that there was an insurance account and a mobile account in collections on my credit report that have impacted my score.

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 2023-08-09 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: NJ

Complaint narrative:
I noticed in XX/XX/2023 that there was an insurance account and a mobile account in collections on my credit report that have impacted my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I had XXXX credit cards with USAA. Both cards were charged off by USAA in XX/XX/2017. I have requested a 1099-G for both cards multiple times from USAA and they have refused to provide the form for the charged-off accounts. USAA also continues to report this account as delinquent every month since the charge-off even though the account was closed on XX/XX/2017. I have requested USAA fix this multiple times, and they have refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc.
State: IL

Complaint narrative:
XXXX continues to email and call about a debt they CAN NOT collect. This is causing me so much stress. The Department of Education transferred the loan to XXXX to service therefore they are NOT the original holder in due course and can not collect. 

3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Well this is awkward, the company TD Bank has yet to pay the escrow amount to the owner. As of XX/XX/XXXX, the entire mortgage amount was PAID IN FULL, and therefore the company TD Bank had NO OWNERSHIP in the property. However, they had collected escrow payments in the amount over {$6000.00}. These finds have not been paid to the rightful owner of the property and as of XXXX they appear to be delinquent by over 89 days. Please report the record the TD Bank Mortgage company ( Operations Center, XXXX XXXX XXXX, XXXX, ME XXXX ) as delinquent by 90 days in returning their escrow funds. I have been gracious in letting them know multiple means including a closing company, they are not the owner, and they have been informed by multiple people they no longer have any ownership stake in the property ; however, those funds have not been deposited and therefore are considered delinquent. Since these funds amounts are over {$5000.00}, please let me know if you would consider this a criminal matter or whether it should be referred to a fraud division.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the XXXX XXXX continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-09 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : 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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I open a business account with Truist bank I spoke with business department to apply for their No/Doc line of credit in which I was totally eligible for.the first issue was instead of her just letting me apply she tried to get me to apply for loan that requires collateral after I tell her that not what I wanted she sent me an application for XXXX lower than what I asked after she finally fix that she sent email stating I was denied for delinquent credit history under law 15 USC 1691 ( a ) 3 I cant be denied credit or loan because law 12 USC 1431 Banks cant loan money they are borrow

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 2023-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Processing Services, LLC
State: AZ

Complaint narrative:
I keep getting calls and texts from Global Processing Services stating I have an unpaid loan which is not the case. Even if I had an old loan I just completed XXXX XXXX in XXXX and the debt would be invalid. Refused to provide names, they refused to provide debt validation and hung up when I mention it or tell them they are violating Federal laws regarding bankruptcy as well as FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XXXX, 2023, my Bank of America XXXX BOA ) credit card ending XXXX received payment directly from XXXX XXXX for {$10000.00}. 
On XXXX, 2023, I requested the BOA to transfer the $ XXXX fund from the credit card into my checking account. 
On XX/XX/2023, the BOA sent me a mail on the fund transfer, debited {$9900.00} to my card ending XXXX, while stated to send a cachier 's check that amount to my address on file. So far I've never received that cashier 's check. Later on it is found in XXXX by the BOA Payment Error Inquiring that cashier 's check # XXXX was sent to a totally different address, and cashed out on XX/XX/2023 by a third party 'IngoMoney ' financial institution which is unknown to me. It does not have my account, nor link to my XXXX XXXX account. I have no way to access the refund. 
I made numerous calls from XX/XX/XXXX up to today XXXX XXXX, to the Card Customer service and Fraud department of BOA on this matter. I went to BOA local financial center a few times to discuss the issue and getting helps. I also talked to the Executive_resolution team of BOA attempted to resolve this issue. So far. the BOA made resolution based on error data in my address, BOA used the third party address to send the refund check, declined to correct the error, BOA wanted me to contact the third party and its bank on the refund money! Certainly it was impossible. Only the fund sender BOA can do it. BOA declines to make the refund available for me while charged to my card for {$9900.00}. 
I'm looking forward to getting the issue resolved fairly, i.e. BOA is obligate to recover the refund and send me the refund check of that amount so as to remove the charge to my card.

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 2023-08-09 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: AL

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.

The letters are stated with items and issues.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is my XXXX time disputing accounts that are fraudulent. I am not an attorney or third party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize : -XXXX # XXXX XXXX XXXX XXXX XXXX -XXXX XXXX # XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # 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 2023-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
The financial institution that is in charge of my auto loan has been repeatedly calling me. As of writing this statement, they have called me 8 times in 3 days. I have a call log and voicemails.

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 2023-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: NH

Complaint narrative:
On XX/XX/2023, I responded to a prequalified loan offer from prosper.com. I filled out their requested personal information and submitted the online forms. I received another email asking for my bank information so they could, I assumed deposit the loan into my account. I submitted the information to them ( routing number & bank account number ). I received yet another email asking if I wished to get accept my loan ( which I did ). Sometime later I received another email informing me that they were sorry that they could not offer me a loan. I am very angry as they represented this as XXXX a prequalified loan XXXX. This would not affect my credit score, but when I check my credit score there was a hard inquiry placed on my report. XXXX. They have my bank information as well, which they should not have, as there is a potential risk of a data breach ( and data breaches happen often ). I have retained the emails I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: MD

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report XXXX and discovered multiple unauthorized trade that I have no knowledge that is on my consumer report. Because I did not apply for credit with XACTUS, INQUIRY DATES : XX/XX/XXXX. I have also reached out asking that they remove the inquiry from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Since XX/XX/2022 they have been trying to take an automatic payment from a closed account. I have tried several times to stop. They keep attempting this and it is closed and keep charging me returned fee of {$41.00} each month. They're only policy states that after the first time it is suppose to be removed but they have charged me XXXX {$41.00} fees for repeated attempts I was not able to stop for an auto payment from a closed 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 monetary relief
Consumer complaint received 2023-08-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is 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. XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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