vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 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: IL

Complaint narrative:
I requested that XXXX, XXXX, and Equifax reinvestigate the following accounts : XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX  XXXX # XXXX, and XXXX  XXXX XXXX original creditor : XXXX XXXX XXXX # XXXX. 

However, they have stated that the information is complete and accurate. I disagree, as the open date, date of last activity, and other information is incorrect. According to XXXX XXXX XXXX ( XXXX ), consumer reporting agencies are required to modify accounts that are not reporting correctly. 

I have also included the following sections of the Fair Credit Reporting Act ( FCRA ) in your rewording : 15 U.S.C. 1681 section 602 A. This section states that you have the right to privacy, including the right to have accurate information in your credit report.

15 U.S.C. 1681 Section 604 A Section 2. This section states that a consumer reporting agency can not furnish a credit report without your written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section. This section states that a consumer reporting agency can not make a consumer report containing any information that is more than seven years old, with some exceptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im Filling a complaint against Bank Of America concerning monies taken from the XXXX XXXX ATM Branch on XX/XX/2023. According to bank Of America the amount of {$910.00} was taken from the XXXX XXXX XXXX ATM. I received an email stating that my acct was below the amount I set to be contacted if the amount falls below {$15.00}. I called Bank Of America concerning the transaction to see how was this possible they told me is was done through an ATM at XXXX XXXX branch I ask how is that possible when I didnt go to the bank that day and I have my ATM CARD present with me they told me is possible because thieves put scanners on the ATM machines to scan people cards, so I proceeded to file a Fraud claim with Bank of America.XXXX XXXX XXXX XXXX they sent me a letter back, telling me that claim has been resolved, and during their research, they reviewed the ATM footage and found that high made the withdrawal, and as a result, my claim has been denied.. I asked him to send me proof of the pics that made them come to that decision and I received the pics in the mail and that picture does not look nothing like me. So I refilled a second claim and just received the mail back today dated XXXX XXXX and it states again your claim has been resolved review the ATM footage and found that you made the withdrawal as a result your claim will remain denied. This is unacceptable Im on unemployment and I did not make that withdraw of {$910.00}. Please Help you are the 3rd agency Ive reached out to with no luck or help in retrieving my money from Bank of America.

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 2023-09-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: IL

Complaint narrative:
XX/XX/XXXX paid XXXX XXXXpayment made plus XXXX charge over phone using Netspend! XXXX reversered payment XX/XX/XXXX, filed several disputes with Netspend starting XX/XX/XXXX upon knowing payment was reversed! Sent documents spoke with several reps no resolution as of yet! Car payment is in result 2 payments behind please help

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-09-05 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I opened a Citi checking account on XX/XX/2023. I chose Citibank because I already had a credit card with them. I deposited {$50000.00} into the CitiBank checking account by transferring funds from my XXXX savings account. I paid off my Citi credit card with my new checking account that day. This left a balance of {$44000.00} left in the Citibank checking account. The next day, I realized I could not access my mobile app. After a lot of time on the phone with Citibank, they finally explained that my checking account had been flagged as fraudulent and closed. The following week I revived a letter dated XX/XX/2023 that said it was closed and that it would take 30-60 days to receive any funds I was entitled to. 

On XX/XX/XXXX I called Citibank using the number on the letter. I was told that since the 60 days had elapsed, I would receive the balance in the form of a check no later than XX/XX/XXXX. 

I did not receive a check. 

On XX/XX/XXXX I called Citibank and was told I was not entitled to any funds. After a lot of back and forth with CitiBank and XXXX ( a branch under XXXX based in California ), CitiBank said XXXX would need to file a hold harmless claim since apparently when the ACH was sent, my name wasnt on the transaction. Plus it looked fraudulent since I live in Idaho. 

Through a lot of back and forth and at least four hours on the phone, I learned there was a force transfer on XX/XX/XXXX between XXXX and Citibank. Ive attached a screenshot. 

At this point, all I have is a message from XXXX bank that a claim was started, but I havent seen the claim itself. Citibank told me it would be another 30-60 days to process this claim. 

I just want my money back.

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 2023-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I submitted a payment for the full amount of all of my student loans on XXXX Looking through my email I never received an email saying my payment had been received. The payment continued to process for 2 days. During this time I continually checked my Nelnet account and the account showed the full amount of my loans was paid. Apparently on XXXX the payment was returned to me due to a possible typo in the account number. I had checked the account number three times before submitting the payment. XXXX  was a Wednesday. My Nelnet account still showed the entire amount of my loan had been paid off. OXXXX XXXX, a Saturday ( Nelnet is not open ), I was sent a letter saying my payment had been returned to me and I still owed the full amount of my student loans. My loans were already starting to accrue interest. Keep in mind I paid in full before XXXX when student loans began accruing interest again. I called Nelnet and listened to the automated voice tree for nearly 15 minutes, before finding out Nelnet was not open until Tuesday as Monday was XXXX XXXX. By Tuesday my loans had accrued more interest. I called Nelnet and was on hold for 1 hour 54 minutes before speaking to a servicer. I was then told that I had made a mistake so my payment had been returned, and I was responsible for the interest accrued during that time. I explained to the servicer that, had I received the letter the day my payment was returned, I would have again paid off the loan before XX/XX/XXXX. Instead my loans accrued interest for 5 days before I could contact someone to talk about what had happened. I was told again the interest was my fault and I would have to pay it so I asked to file a complaint with someone. I was put on hold again for over an hour when my phone disconnected the call. I was not called again even though it had taken over 3 hours to get to the point I was, the call tree said it would be a 135 minute wait to talk to someone again. So now I'm hoping that my payment will go through this time and hoping not to accrue even more interest while waiting for the payment to post. This is a crooked business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX and I am filing a complaint because my rights under the FDCPA and FCRA have been violated by Portfolio Recovery Associates. In XXXX of XXXX, I became aware that Portfolio Recovery had listed a collection regarding a debt that they claim that I owed. I immediately asked them to produce documentation validating this debt in accordance with the FDCPA. It became clear that the account numbers were inaccurate between the bureaus and Portfolio Recovery could not produce a signed contract after multiple reinvestigations. It was so egregious that XXXX removed the account from their report due to this companys refusal to follow the law. Over the past two and a half years, I have given them multiple opportunities to validate this debt and they failed to do so. The account is now so old, it has been time-bared from being collected on in the state of Florida. When I informed them that they no longer have the right to collect on this debt, Portfolio Recovery Associates expressed their intent to violate state law and continued collection action on this debt. This is not new behavior for Portfolio Recovery, as evidenced by the order in XXXX of XXXX where the CFPB ordered them to pay {$24.00} XXXX to compensate victims due to their willful and deliberate violation of the FCRA and FDCPA. This organization has open contempt for the law and those who are tasked with enforcing it. Since Portfolio Recovery Associates has expressed their intent to break the law, I would also like to see their license to collect in the state of Florida, license # XXXX, be suspended or revoked so that they can no longer engage in this fraudulent activity. I was denied for an apartment, a bank account, and for lines of credit due to this companys refusal to remove this time-barred account. I have suffered financial and reputational damages and my character has been defamed. My case against this company is open and shut and I do plan to take legal action if this is not resolved. I want this account deleted from my credit report immediately and I want this companys license to be put under review by the Florida Office of Financial Regulation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
best buy/cbna XXXX i am not liable for this debt with best buy. please remove off 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 2023-09-06 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: Conn's, Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report I was shocked to learn that I have been evicted identity theft I found numerous accounts on my credit report that were not open by me This has been hurting me is I am in the process of buying a home for my family please remove the fraudulent accounts from my account from credit report as soon as possible thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
my personal information was used without my permission to open fraudulent bank accounts and bank inquiries. I have contacted the consumer financial protection bureau, police department, and consumer banking reporting agencies XXXX XXXX XXXX XXXX XXXX and Clarity Services to notify them of the unauthorized activity that needs to removed per federal law FCRA 609. 

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 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 2023-09-05 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
my personal information was used without my permission to open fraudulent bank accounts and bank inquiries. I have contacted the consumer financial protection bureau, police department, and consumer banking reporting agencies XXXX XXXX XXXX, Chexsystems Inc, and XXXX XXXX to notify them of the unauthorized activity that needs to removed per federal law FCRA 609.

Chexsystems consumer ID XXXX XXXX XXXX consumer ID XXXX 2 fraudulent bank accounts : XXXX XXXX  opened XX/XX/XXXX account number XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account number XXXX 20 fraudulent bank account inquiries : 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 explanation
Consumer complaint received 2023-09-05 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: Early Warning Services, LLC
State: TX

Complaint narrative:
my personal information was used without my permission to open fraudulent bank accounts and bank inquiries. I have contacted the consumer financial protection bureau, police department, and consumer banking reporting agencies Early Warning system, XXXX XXXX, and XXXX XXXX to notify them of the unauthorized activity that needs to removed per federal law FCRA XXXX. 

XXXX consumer ID XXXX Early warning consumer ID XXXX 2 fraudulent bank accounts : XXXX XXXX opened XX/XX/XXXX account number XXXX XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX 20 fraudulent bank account inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it 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 non-monetary relief