vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is collection & derogatory also unauthorized inquiry in my credit report. I contacted Experian, XXXX, XXXX, about the matter I asked for any proof that I initiated any inquiries they have yet to give me anything. Ive had identity theft in pass so I mentioned it can be from that as well. The things are out dated starting from XXXX. These things are causing hardships in my life Im unable to obtain credit and having trouble with getting apartment. 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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Synchrony bank is reporting my account as charged off/bad debt. However, this account has been paid and settled.

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 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX of 2023 I contacted BMO Harris Bank about a rewards issue with my credit card. When the representative answered my call she could not speak English or understand it very well and began to ask me security questions which I could not understand or answer and so she suspended my account to the point where I could not even close the account. I was sent an email stating I would have to go to a branch of which there is not XXXX within XXXX miles of my location or go and get notarized forms email it to them call and verify that they were emailed in order to do this all at my expense and time for which I don't think is reasonable since I did nothing wrong except wanted to have a rewards issue explained

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 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a fraud alert text message which I responded no to. I was then contacted by someone from a TD bank number according to my caller id and went through steps canceling my compromised card being instructed on how the funds were going to transferred for safety ( through XXXX XXXX ) and in XXXX separate transactions a total of {$1400.00} was taken from my account. ( {$700.00} and {$750.00} ) as this was happening I realized that this was an unusual way to correct the problem and when I stated it to the caller was promptly hung up on. I was admittedly distracted by a task I was doing and just following the instructions of the caller which I thought was from TD bank on a routine call. 
After they hung up, with in XXXX seconds contacted my bank to report the incident and a dispute was filed. This was on a Saturday. On Tuesday ( it was a holiday weekend ) I went directly to the bank, opened a new bank account, and was informed that TD would be monitoring the compromised account for XXXX  days. Was informed that the scammers had accessed my bank account and changed my password That Wednesday my account was credited with a provisional credit. Approximately XXXX weeks later the provisional credit was rescinded and when I contacted the bank they informed me that they concluded there was no fraud because I authorized the transaction where my money was stolen. I then opened another dispute on the fraud and included proof of the text fraud alerts, the incoming calls from the scammer alleging they were calling from TD bank, the transactions that transferred the funds to XXXX separate XXXX XXXX accounts and the proof that those funds with immediately transferred out of XXXX XXXX to some unknown account. All of which I provided to the bank, both directly by physically giving them a copy and by faxing a copy of this information. Once again they denied my claim that this was fraud and rescinded the provisional credit. At this point I was so angry and frustrated I did not attempt to argue with the bank because clearly they were not in agreement with me that I had been the victim of a fraud scam. Last night on XXXX XXXX XXXX I watched a segment that highlighted a person that was scammed in the exact same way that I had been and reasserted my options, which said to file a dispute with you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing this complaint to report a case of identity theft involving fraudulent addresses and accounts. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. Below are the details of the fraudulent addresses and accounts : Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I request your assistance in investigating this matter and taking appropriate legal action against the individuals responsible for this identity theft. I have taken the necessary steps to secure my accounts and personal information. Please let me know if there are any additional details or documents you require from my end. I've attached a copy of my ID, Utility Bill and my Social Security Card. 

Thank you for your prompt attention to this matter. I look forward to cooperating with your investigation. 

Sincerely, 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 2024-01-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been reaching out to the credit bureaus sending out letters demanding that the information on my credit report be verified. I have not received any letters or responses. I have filed with FTC and with you hoping for expedited answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been reaching out to the credit bureaus sending out letters demanding that the information on my credit report be verified. I have not received any letters or responses. I have filed with FTC and with you hoping for expedited answers.

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 2024-01-06 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: LA

Complaint narrative:
XXXX  bank is reporting my account as charged off/bad debt. However, this account has been paid and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX  bank is reporting my account as charged off/bad debt. However, this account has been paid and settled.

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 2024-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MD

Complaint narrative:
This is the XXXX complaint that I'm filing with your organization regarding Nelnet ( Complaint Number XXXX ). I received an email from your organization stating that my complaint has been forwarded to Nelnet regarding account # XXXX. Since I received the email from your organization, Nelnet has sent my account to the credit bureau and now my score has decreased by XXXX points. I applied for the XXXX Program which I stated in my previous complaint against XXXX. Nelnet has and is processing my XXXX loan # XXXX under the XXXX program but has not processed my XXXX loan which is attached to the XXXX loan under the XXXX program. It is stressful dealing with this matter since you can not get through to them without being on hold for long periods and they don't offer weekend hours. Also, they don't respond to the emails, especially the XXXX emails that I have repeatedly sent regarding the erroneous processing of loan # XXXX. I want my loan to be processed under the same program that the other loan is being processed since I applied for the XXXX program for both loans. This is truly incompetence at its best, failing to acknowledge a program that the customer has applied for, failure to comply with the guidelines that adhere to resolving disputes, and failure to communicate. Sending notices to the credit bureau without solving or addressing the issues is a sign of the inability to fairly handle the processing of student loans. I don't know who else or what other agencies to complain to about Nelnet 's unfair tactics and incompetencies but Nelnet needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I make a transfers to XXXX  an investment options the people scam on me for XXXXXXXX XXXX  and the Bank of America tell me they cant do nothing

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 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: VA

Complaint narrative:
This is from a previous that was closed without fully vetting the issue. Cash App is allowing unauthorized withdrawals funds from my account. Despite my efforts, including filing a dispute, the resolution was unfavorable as it was denied. Even after undergoing multiple card replacements, Cash App persists in facilitating unauthorized transactions by the aforementioned vendor. I am asserting my rightful claim to a refund from Cash App and insist that immediate measures be taken to prevent any further unauthorized withdrawals by XXXX XXXX from my account. Cash App must implement safeguards to safeguard the integrity of my financial transactions. I also emailed cash app management and requested the vendor be blocked and that request was not considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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
Consumer complaint received 2024-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been reaching out to the credit bureaus sending out letters demanding that the information on my credit report be verified. I have not received any letters or responses. I have filed with FTC and with you hoping for expedited answers.

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 2024-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is collection & derogatory also unauthorized inquiry in my credit report. I contacted XXXX, transunion, XXXX, about the matter I asked for any proof that I initiated any inquiries they have yet to give me anything. Ive had identity theft in pass so I mentioned it can be from that as well. The things are out dated starting from 2007. These things are causing hardships in my life Im unable to obtain credit and having trouble with getting apartment. 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 2024-01-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There is collection & derogatory also unauthorized inquiry in my credit report. I contacted XXXX, XXXX, equifax, about the matter I asked for any proof that I initiated any inquiries they have yet to give me anything. Ive had identity theft in pass so I mentioned it can be from that as well. The things are out dated starting from 2007. These things are causing hardships in my life Im unable to obtain credit and having trouble with getting apartment. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: LA

Complaint narrative:
XXXX XXXX XXXX  is reporting that my account is charged off with an unpaid balance.However, it has been paid in full and settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX  Bank is reporting that my account is charged off with an unpaid balance.However, it has been paid in full and settled.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX is a closed account and payment history and payment status is still reporting negatively after XXXX  years. I have filed many disputes attempting to have this issue resolved however to no avail. This is affecting my credit payment history and preventing mortgage loan approval. All XXXX accounts need to be corrected with XXXX status.

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 2024-01-06 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: LA

Complaint narrative:
XXXX XXXX XXXX is a closed account and payment history and payment status is still reporting negatively after XXXX  years. I have filed many disputes attempting to have this issue resolved however to no avail. This is affecting my credit payment history and preventing mortgage loan approval. All XXXX accounts need to be corrected with XXXX status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On Friday, XX/XX/XXXX a woman by the name of XXXX XXXX stated on XXXX ( XXXX XXXX ) that they were selling tickets for the XXXX game. I inquired and she showed me verified tickets. I sent her half of the money ( {$180.00} ) via TD Bank XXXX to ensure it was legit. She never sent the tickets but then requested more money. I then called my bank TD Bank to report a scam. They filed the claim. Today, XX/XX/XXXX they inform me that my claim was denied and that I need to contact the person again to request a refund. I have no way to reach this person as they blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BUSEY BANK
State: IL

Complaint narrative:
I closed the account XXXX times with XXXX balance. They keep charging fees and not close. I have signed document by Busey its a XXXX balance & closed. I called today to send Busey proof & Adam cust svc hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: MO

Complaint narrative:
I contacted Remitly ( XXXX ) in XXXX, XXXX, XXXX and XX/XX/XXXX about a fraud transaction involving an individual XXXX XXXX from XXXX that stole my {$500.00} taken out of my checking account on XX/XX/XXXX and XX/XX/XXXX that was intended for an business transaction. Each time I contact the organization, they rudely pretended that there are no transactions that matches the description and that they were going to follow-up with an investigation but did not. Today, I called and finally got an individual to admit that the transactions was in their system. It is my belief that they encourage this sort of actively evident by the refusal the follow-up with these fraud charges. I contact the organization prior to sending the money to ensure that this was legitimate and they verified it was. 


No, I first contacted you in XXXX XXXX and tried to get you to stop the transaction. It's quite obvious that you did not thoroughly check. I have been contacting you since XXXX and XX/XX/XXXX is the first time you responded. You first claimed that you did not see any transactions that matched my claim and then never got back to me even though you promised to do so. You tend to encourage this sort of activity and have not put into place any security measure to prevent this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Amscot Corporation
State: FL

Complaint narrative:
Purchased {$8000.00} in money orders from Amscot in XXXX Florida was that a XXXX  XXXX in XXXX XXXX area and staying at a XXXX  XXXX. Contacted staff contacted management and spoke with originator had no assistance and denied the fact that it had information on record to reference to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief