vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 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: TN

Complaint narrative:
I have submitted in writing via usps twice now requesting the removal of fraud/identity theft activites from my credit report. I submitted a copy of my FTC identity theft report in addtion to a copy of my credit report with all fraudlent activites circled, I also included a copy of FCRA regulations giving XXXX and equifax 4 days to remove these fraudulent activites. I also included a color copy of my Drivers license and social security card as verification of my identity. with all of this both XXXX AND EQUIFAX refuse to follow federal regulations and refuse to remove these unlawful activities from my credit report. 

the next step is to follow a complaint with the attorney generals office and file civil action against both equifax and XXXX. i have done what is required of me under FCRA regulations and at this point i need federal intervention! 

everytime i call XXXX  to get a agent on the phone its always the same excuse " oh im sorry our system is down and we cant not access your file at this time '' XXXX  is up to something unlawful in my opinion and need a investigation into their practices!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A few minutes ago, I filed a complaint against BOA due to their incapability of doing a proper and thorough investigation for a customer who has been a victim of Identity Theft. 
BOA was my first bank and I banked with them for over 10 years. I can not believe how horribly they treated me and continue to treat me. A few moments ago, a BOA rep called me and said she saw my complaint and as a " resolution '' is going to send all the info of my claims through mail correspondence. I thanked her but said that's not a resolution, BOA was going to send mail correspondence ANYWAYS, they always do. BOA didn't try to find any solution or compromise for me. Honestly, I do believe they should seek some kind of penalty for their immature way of conducting business. They're supposed to be handling our money and they mock and joke as if it's a game. When I told the representative that wasn't a solution and they were going to send mail correspondence anyways, she chuckled and said Yeah I guess we were and hung up. It's disheartening. I don't why they treat me like this, I can only imagine the injustice they do to people who don't how to report them. CFPB, please correct their behavior!

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 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I had Great Lakes as my lender for a couple of years. As of recent, upon resuming my loan payments, my loan was acquired by Nelnet. Problems with accessing the website are common. Ive contacted them and they said to reset my account credentials. Uopn further research from my part, Ive found Nelnets user login interface is quite ineffective, with password resets, account lock-ups, poor or lack of customer support access. Ive so far been able to make my scheduled payments, but I am growing more concerned with this company performance. Many students struggle to make payments, and I see this company is preventing student payment process efficiency. Please research this issue as most students are honest people and Nelnet is not fulfilling their responsibility to enable a reliable, secure, efficient method to replay student loans. Seems Nelnet is not capable to effectively support the student loans. Many students may have issues or even find they have credit scores affected by this, which is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: FL

Complaint narrative:
XXXX XX/XX/22 there as a hard inquiry for a loan by an agency in XXXX XXXX called XXXX which I did not solicit or requested. 
When i XXXX searched the firm and checked my credit core I got an XXXX number. I called and its an automated line asking for your last 4 digits of your social and birthdate. I refuse to give this information to get to a live person. 
Below is the info from the Credit report : Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose WRITTEN AUTHORIZATION

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 2023-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-06 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: TN

Complaint narrative:
I have submitted in writing via usps twice now requesting the removal of fraud/identity theft activites from my credit report. I submitted a copy of my FTC identity theft report in addtion to a copy of my credit report with all fraudlent activites circled, I also included a copy of FCRA regulations giving experian and XXXX 4 days to remove these fraudulent activites. I also included a color copy of my Drivers license and social security card as verification of my identity. with all of this both EXPERIAN AND XXXX refuse to follow federal regulations and refuse to remove these unlawful activities from my credit report. 

the next step is to follow a complaint with the attorney generals office and file civil action against both XXXX and experian. i have done what is required of me under FCRA regulations and at this point i need federal intervention! 

everytime i call experian to get a agent on the phone its always the same excuse " oh im sorry our system is down and we cant not access your file at this time '' experian is up to something unlawful in my opinion and need a investigation into their practices!

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 2023-12-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am a member of XXXX. XX/XX/23 They sent a message a indicating : " XXXX has identified a change in your credit information. This could be the result of a new inquiry, line of credit or a change to an existing account. '' I checked and a Khols credit card was applied for. On XX/XX/23 I received another notification about a Khols credit card being applied for. In talking with MyIdCare representative this was for the same credit card. The credit check was on XXXX and XXXX. I did not apply for a Khols credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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:
EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account.

EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX is not reporting correctly on payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: EQUIFAX, INC.
State: TX

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 : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 3. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Childs support shouldn't be on my credit/consumer report OFFICE OF THE ATTY GEN Account Number : XXXX I didn't provide permission for this account to be reporting to my credit report please remove or i will seek legal compensation 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
THIS IS A ADDITION TO PRIOR COMPLAINT TO CFPB # XXXX I NEED TO UPLOAD THE PROOF FROM THE TAX OFFICE OF REFUNDS THE TAXES I PAID SENT TO THE TAX DEPT AT PLANET HOME LENDING THEY REFUSED TO ACCEPT IT FOR THE SOLE PURPOSE OF ADDING FEES PUTTING ACCOUNT IN A PROBLEM THAT THERE IS NO RECOURSE OTHER THAN TP FILE ANOTHER COMPLAINT I CAN NOT CONTINUE PAYING TAXES THAT GET REFUNDED BACK TO ME AND THE LENDER WHO DOES NOT ALLOW MY PAYMENTS TO POST 90 DAYS SOMETIMES AFTER TAX IS PAID PLANET KNOWS THAT REFUSES TO ADDRESS THE ISSUE .ALL OF THE LETTERS FROM THE TAX OFFICE SHOWING THE {$700.00} CREDIT XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$650.00} + {$380.00} FROM MYSELF AND THE {$760.00} XX/XX/XXXX NO WAY IS A ESCROW ACCOUNT {$1200.00} ON XX/XX/XXXX I PAID {$54.00} TAX OFFICE SHOWS MY PAYMENTS REFUSE TO CORRECT EVEN WITH PRIOR COMPLAINTS TO CFPB EVEN WROTE LETTERS THAT WERE NOT TRUE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: OH

Complaint narrative:
My second time having to dispute this account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX that is currently reporting to my credit report is is holding up the process of me buying a new home. The account is FRAUDULENT and UNAUTHORIZED. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I need urgent help with Venmo! They stole {$3300.00} from me! since XX/XX/2023 they refuse to let me add a new bank account for withdrawal. In XXXX I finally was able to add a new account but then they did not let me withdraw my money! they removed my access to the account! my password is not working anymore. they send an email I should reset it! but this is another verification loop which does not work! the just fool me to keep me funds! they require law enforcement intervention. these people are criminals

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: EQUIFAX, INC.
State: TX

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 : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 3. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Childs support shouldn't be on my credit/consumer report OFFICE OF THE ATTY GEN Account Number : XXXX I didn't provide permission for this account to be reporting to my credit report please remove or i will seek legal compensation 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 

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 2023-12-06 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: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 

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 explanation
Consumer complaint received 2023-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief