vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
incorrect information on 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
Consumer complaint received 2023-10-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/XXXX, while on the Bank of America ( B of A ) website, I saw an unauthorized charge posted to my business XXXX. The charge was for {$100.00} and the merchant was listed as " XXXX  # XXXX ''. I promptly called the number on the back of the card and told the B of A agent about the unauthorized charge. She transferred me to another department where I was left on hold for XXXX minutes. I hung up and wrote a letter to B of A asking them to reverse the unauthorized charge, that I had " NEVER purchased anything from this merchant and there is no way for me to contact them directly. '' I mailed this letter to the address for billing inquiries on the B of A statement. I received no reply from B of A and I saw they had not reversed the unauthorized charge, so I sent a second letter repeating the same facts on XX/XX/XXXX. Still no response from B of A. On XX/XX/XXXX I sent a third letter repeating the same facts, but I sent it to an address hidden on pg XXXX of my B of A statement. I finally received replies from B of A asking me for " additional information ''. The information they asked for had already been provided in my previous letters, and on XX/XX/XXXX I sent them a letter saying so. On XX/XX/XXXX I received a reply dated XX/XX/XXXX denying my " claim '', talking about me not being satisfied with the " service '' the merchant provided. I never said anything like that! That same day I sent a reply to B of A that I was not satisfied, and they obviously had not conducted any investigation of my claim. I received no reply. On XX/XX/XXXX I sent a certified letter to B of A detailing all of the above and repeating my assertion that this was an unauthorized charge and they obviously did not conduct any investigation at all. I received no reply,

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 2023-10-30 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: Maximus Federal Services, Inc.
State: ND

Complaint narrative:
Contacted Aidvantage customer service XX/XX/2023 @ XXXX XXXX and requested the automated service to speak with a customer service representative. After being on hold for 59 minutes, I spoke to customer service agent XXXX XXXX to make my request. He did not have the answer to my question and performed a quick search and informed me the Department of Education website does not allow principal only payments with extra payment with existing unpaid interest. After again making the request, he placed me on hold to consult with the team lead XXXX XXXX and again informed me that I can not make a principal only payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sterling Infosystems Inc.
State: MN

Complaint narrative:
Is had a positive XXXX screen, But I don't understand why. I have not done drugs. This is an accurate. They also said I had XXXX XXXX XXXX. When to the emergency room. They told me I was just having an XXXX tech. Now let 's say I have a positive drug screen for XXXX. I do not use XXXX nor have I ever consumed it. I would like to dispute the drug screen.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my consumer report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please note that XXXX XXXX XXXX have replied via the cfpb to furnish requested information but have not done so as of XX/XX/XXXX. XXXX  have also not furnish requested info as well. There has been multiple request from XX/XX/XXXX to this current date XX/XX/XXXX where I have informed the companies that the accounts was established with my information without my knowledge and should be treated as fraudulent. My most recent request was in XXXX of XXXX asking for application establishment and similar information regarding the formation of the application but the company has refused, by simply stating the account is verified.

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 2023-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
We had over {$49000.00} taken from our money market account at the XXXX XXXX  in XX/XX/2022. The XXXX XXXX  retrieved and returned {$37000.00}. The remaining {$11000.00} was transferred to Citibank and they have verified the identity theft claim but have failed to return the money. We have made numerous attempts with both banks to have our funds returned with no success. Hold harmless forms have been sent by XXXX XXXX and received by Citibank. XXXX is also Involved in the case.

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 2023-10-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXXXXXX XXXX XXXXXXXX 's customer service representative. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: WI

Complaint narrative:
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.

Police report and FTC report has been both filed and submitted NCB, and XXXX XXXX are breaking FCRA 605B ( 15 U.S.C. 1681c-2 ) by continuing to report debt on my consumer report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

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 2023-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Management Services, LP
State: FL

Complaint narrative:
Hi, I have been being contacted by XXXX  XXXX XXXX for years now, unknowingly they have been pursuing debt that I have paid in XX/XX/2020. I have a receipt that says this debt has been paid in FULL and they refuse to honor the receipt and evidence that I do not own this debt. They have been continuously reselling my debt and new debt collectors keep harassing me for something that I have PAID. It have tried to dispute it several times on my credit report, but they keep saying I am wrong. Why would ANYONE bother to pay debt if they will take your money but not update the account? Please see the attached receipt. This is long overdue and has been stressing me out continuously, as no one will listen.

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 2023-10-30 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:
I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. Have never had a {$270.00} payment or bought vehicle XX/XX/2020. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

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 2023-10-30 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:
I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. Have never had a {$270.00} payment or bought vehicle XX/XX/2020. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

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 2023-10-30 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
NAVIENT Navient has been reporting the wrong information since XXXX from the emails received. Navient account was reviewed on XXXX and the school they are reporting is XXXX University. I was a student at XXXX University starting XX/XX/XXXX. The loan disbursement date on the Navient account is XXXX. I did not attend XXXX University in XXXX. Navient has been reporting this false information for 3 years ( or more ), which has taken a toll on my credit report. I have been receiving calls between XXXX XXXX - XXXX XXXX every day except Sundays, and I know they know it is a violation to contact consumers several times a day. Per the FRCA, it is my right to ensure that information is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: GA

Complaint narrative:
Experian is reporting two charged-off account ( s ) within my credit report -XXXX XXXX XXXX XXXX XXXX XXXX I have received two separate 1099c in regards to both debts in which it is now security fraud for XXXX and XXXX XXXX XXXX XXXX to act on these two account ( s ). 

Experian is not following 15 USC 1681eb which is not ensuring the accuracy of the consumer report. 

I am requesting compensation in the amount of {$5000.00} per violation and the account ( s ) to be Blocked and Removed.

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 2023-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hi, I have been being contacted by Bank of America for years now, unknowingly they have been pursuing debt that I have paid in XX/XX/2020. I have a receipt that says this debt has been paid in FULL and they refuse to honor the receipt and evidence that I do not own this debt. They have been continuously reselling my debt and new debt collectors keep harassing me for something that I have PAID. It have tried to dispute it several times on my credit report, but they keep saying I am wrong. Why would ANYONE bother to pay debt if they will take your money but not update the account? Please see the attached receipt. This is long overdue and has been stressing me out continuously, as no one will listen.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Auto loan from. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$22000.00} Reported balance Highest balance You've paid off XXXX % of this loan {$23000.00} OVERVIEW Highest balance Monthly payment Opened Term Account Details {$23000.00} {$0.00} XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX  months ( XXXX  years ) PAYMENT HISTORY Last payment Payment status Worst payment status XX/XX/XXXX No Info ACCOUNT DETAILS Account status Type Responsibility Remarks Open Auto loan Individual Charged off as bad debt Dispute resolved; reported by XXXX XXXX XX/XX/XXXX days late XXXX This account show in all XXXX major credit report agencies TRANSUNION. XXXX. XXXX. please have this account removed and updated immediately thanks

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