vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX I don't want this on my credit history because these accounts are negative for me and are not mine. 

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 2023-10-09 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act 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 a 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 non-monetary relief
Consumer complaint received 2023-10-09 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the fair credit reporting act 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Deposited 2 checks, totalling XXXX on XX/XX/2023. The checks were from the same bank. They immediately placed a hold on the checks, without informing me at a branch location. I called the business number, for them to tell me, I need to call back the following XXXX XXXX, and they would release the hold and the funds. I informed them I have payroll due on XXXX XXXXXX/XX/XXXX. And they said it shouldnt be a problem. I called back on XXXX XXXXXX/XX/XXXX, for them to tell me there shouldnt have been a hold, and the supervisor filed a complaint, but informed me the funds would not be released until XXXX XXXXXX/XX/XXXX. I was told to write bad checks so I dont lose the laborers. I lost XXXX laborers due to not being able to pay them on time. I called back XXXX XXXXXX/XX/2023, they finally released the hold. And told me to call back on XXXX XXXXXX/XX/2023, the funds should be released and available on XXXX XXXXXX/XX/2023, and I called today XX/XX/2023, for them to tell me the funds would not be released until XXXX XXXX. As of XXXX XXXX funds are not available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX This account is reporting inaccurately and incomplete. I have requested documentation from this Financial Institution and have not received a response or the information I requested. It has been pass 30 days. Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX XXXX I have been disputing this account and no proper investigation has taken place and this is a violation to my consumer law rights and my mode of living. This account needs to be deleted from all 3 consumer reporting agencies immediately. 

Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I received a notification on the XXXX around XXXX XXXX  that someone head looked up my Bank of America user ID and changed my password. My phone was misplaced/stolen on the XXXX of XXXX and I believe they used apps/information to hack and drain my bank accounts, they started transferring money from my main checking account ( ending in XXXX to my other checking account ending in XXXX ) taking out large sums of money/ completely draining my accounts in the total of {$17000.00}. They were made to a company called XXXX XXXX which I had used previously however NEVER made a transaction over $ XXXX. The XXXX XXXX XXXX XXXX, etc were all on my phone. They used XXXX XXXX to send my money to some crypto wallet depleting my account of funds within a couple of hours of password change. I let BOA know as soon as I was made aware and I was told that she could tell someone had stolen my identity and made these transactions fraudulently. These charges that were made from XXXX to XXXX. These charges were very alarming because they were all in LARGE sums of money.= thousands of dollars in each transaction and completely drained my main checking to transfer into an account they were able to make transactions/withdrawals out of. The account they transferred money over to ( was hardly ever used prior ) and the debit card was saved to stolen phone. I have attached claim details along ( however if BOA can update me that someone looked up my user ID and password and then changed password they NEVER should have allowed transactions to go through ), along with message to original company that refused to refund transactions. In fact they replaced to my email update regarding fraudulent activity stating they had never confirmed my identity verification and my drivers license required to withdraw these funds... and that is because I NEVER GAVE CONSENT not did i authorize these transactions. I was told by BOA that they would research claim and was later denied claim/closed out.

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 2023-10-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Newport Intermediate Inc.
State: CA

Complaint narrative:
I have a prepaid XXXX  card with a balance. The company claims that this card is expired and only active for approximately 6 months. The company refuses to reopen the card or provide any balance information or activity. I do not even know if there was fraud involved with the card. 

The company I spoke with ( based on the number on the back of the card ) is Prepaid Digital Solutions, phone number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09 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 have contacted Equifax and XXXX to remove fraudulent items off my credit, I provided them with an identity theft report but they still have not removed said items. The accounts in question are as follows : XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$0.00}, XXXXXXXX XXXX XXXXXXXX {$900.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$340.00} These accounts have been removed from XXXX, but I need them removed from XXXX and Equifax. 


I am attaching an FTC report and I dispute that I sent all three credit bureaus a few months ago

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX - after a XXXX stay - I was informed by the XXXX host I was being charged for some replacement items during our stay, charges were {$1700.00} Immediately disputed with XXXX - it became clear they would simply post the charge and not look into the issue XXXX - I was charged {$1700.00} on my Chase United Explorer credit card ( ending with XXXX ) XXXX - I filed a dispute with chase XX/XX/XXXX - follow up call with chase ( XXXX ), provided XXXX pg pdf documents with arguments and evidence on why the charge is bogus ( host basically updating their XXXX year old furnature on our dime with upgraded version of what they claim to be broken by us ) XX/XX/XXXX - follow up call with chase - confirmation of dispute case being filed on XXXX XXXX - follow up call with chase - confirmation provisional credit is put in - information given that merchant 's bank has 49 days ( XX/XX/XXXX ) to respond and if they fail to do so - provisional credit becomes permanent credit and issue is resolved at that point. 

XXXX - follow up call with chase. Getting information that case is still ongoing. When asked about whether any of the information given me on XXXX about 49 days is accurate - representative ( I believe XXXX? ) did not answer and basically hung up on me. 

XXXX - CFPB complaint is getting filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account is showing a late payment which is not true. I have always paid all my debts on time, and this late payment error is damaging my credit score. Equifax is not correcting this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: FL

Complaint narrative:
I am seeking access to my account to my loan service provider, NelNet, I have tried to log into my NelNet account because my email received an invoice for loan repayment and request that they defer my loans because of my in-school status. When I tried to make an account it stated I could not do so because there was already an account set up, which I did not create. I tried to recover a username or password to log into the created account, however, when I try to recover any password or username it simply says it can't carry that request out because they do not have my contact information and that to activate my account I would have to call their general customer service hotline, XXXX. This is not true, as I have already mentioned, they have serviced an invoice to my email but are stating they don't have contact information of mine. Regardless, I can't access my account or recover my account at all. I tried to call the phone number twice within the same day, XX/XX/2023. The first call started at XXXX XXXX. and I had to end up hanging up after an hour and XXXX minutes on the phone waiting because I had classes beginning soon. I decide to call again at XXXX XXXX and this time I waited for 2 hours and 15 minutes without reaching a customer service representative. Each time I called the automated voice system stated that I would be on call for an estimated " minutes '' and it would take about or over " half an hour ''. I had to hang up because I, like many others do not have many excess hours in the day to spend waiting for a response from customer service, the egregious part is the only way I can get into my account is through their phone line and I simply can't afford to await endless hours of automated messages in the hopes of a possibility that I reach a customer service representative by the end of the business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: NC

Complaint narrative:
Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never applied for these items I called Transunion told i sent in a dispute they have my police any other information they need they have they acting like they cant do nothing im in the process of trying to get me and my family house. So whatever you guys can do for me would be thats getting these items of my report so i can live my life me and my family.

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 2023-10-09 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
THESE ACCOUNTS AND INQUIRES ARE NOT MINE 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 2023-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2023, I filed XXXX complaints with the Consumer Financial Protection Bureau. 
The first complaint, CFPB Complaint # : XXXX, was regarding my Checking & Savings account with Bank of America XXXX The bank changed my account several times, and with each change, money was missing from my balance. 
The second complaint, CFPB Complaint # XXXX, was related to a credit card dispute for {$150.00} with XXXX XXXX XXXX XX/XX/2023 XXXX In XX/XX/2023, Bank of America reversed the charge with the help of the Consumer Financial Protection Bureau. 
On XX/XX/2023, my credit card balance was {$100.00}, and I paid it in full at the Bank of America XXXX located at XXXX XXXX XXXX XXXX. XXXX. I paid {$100.00} through an ATM and {$2.00} through a branch payment. The clerk was rude but assured me that I had a XXXX balance on the credit card. 
However, on XX/XX/2023, I noticed that my credit card balance was {$1.00}, and interest was charged for a XXXX balance. 
On XX/XX/2023, Bank of America aware of the missing funds, multiple account changes made by the bank, and complaints that were not addressed. Bank of America aware I had filed XXXX complaints with the Consumer Financial Protection Bureau, yet, Bank of America chose to close my account ending in # XXXX. 
When I called Bank of America on XX/XX/2023, and spoke with an agent named XXXX from XXXX, she stated that all information regarding my account ending in # XXXX was deleted. 
This is fraud. Bank of America can not ignore complaints, remove money from accounts, and then close the account stating non-activity and/or non-funds. I will file a complaint against Bank of America for ignoring my XXXX complaint against a dealership ( truck ). The truck was paid in full through my savings account, yet Bank of America allowed monthly charges and then changed the account without accountability. 
Note : I can provide documents if requested of me.

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 2023-10-09 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
i asked for a sign agreement or proper proof of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account is showing a late payment which is not true. I have always paid all my debts on time, and this late payment error is damaging my credit score. XXXX is not correcting this error.

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 2023-10-09 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-10-09 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: GA

Complaint narrative:
Re : Dispute of Inaccurate Account Information ( Account Name : XXXX XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I am writing to address the inadequate response I received regarding my previous dispute concerning the above-mentioned account on my Equifax consumer report. 

In your response, you stated that, The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *STATUS DATE *BALANCE DATE. I find this response to be both perplexing and unacceptable for several reasons. 

Firstly, how can Equifax state that the account was " verified '' when the requested documentation to substantiate the account 's legitimacy was never furnished to me? I have yet to receive any proof that verifies this account as mine or any of the information associated with it. In addition, XXXX XXXX XXXX responded to my complaint via the Consumer Financial Protection Bureau ( CFPB ) by stating that the account has been placed in a restrictive status from further collection. Please find the respective documentation attached to this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX Balance : {$500.00} was written off. 
( illegal XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  had my account on credit protection and i was making payments. I was told by a representative to send in my billing statement and make it payable and i did what the representative told me. My account is not a charge off. This account is reporting negative when it is positive. This account violated my rights by closing the account before handing to explain to me what the issue was. I do not feel like XXXXXXXX XXXX XXXX  treated me like a normal customer or like a responsible customer. This company damaged my credit profile by reporting illegal information. I was never late or this was considered as charge off i want this account to be reinstated being that i was violated and i want this account to be updated to on time paid and never late under FCRA 15 usc 1681i ( n ) ( a ) ( b ).

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