vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
This letter is regarding account # XXXX, which you claim my account has 23 late payments with Ally Financial. Please update this account to CURRENT AND PAID on all 3 Credit Bureaus ( XXXX XXXX and XXXX ). I am in the United States XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, 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 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX continues to show my account as delinquent on my big 3 credit reports even though I have provided evidence that the original account was due to identity theft/fraud.

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 2021-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife and I would like to file a complaint against Citi Bank about an fraudulent wire transfer that took {$49000.00} from two savings accounts and one checking account. This started when we ordered software from what we thought was XXXX. It turned out to be a scram. Citi Bank promised a full refund. But on XX/XX/21 we received a letter from Citi Bank saying they had completed their " research '' on our request for a " wire recall '', and stated the money had already been withdrawn and no longer available to return. This is international wire fraud, and of course the money was withdrawn the minute it hit the bank. ( The bank involved was : XXXX XXXX  XXXX XXXX XXXX ). We talked to the branch manager XXXX XXXX XXXX at Citi Bank. She told us to make a police report. We did that, and returned to the bank. That's when XXXX XXXX told us that she couldn't help us anymore. So Citi Bank told us that we were on our own. We have documents, but I don't know how to send them.

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 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX continues to show my account as delinquent on my big 3 credit reports even though I have provided evidence that the original account was due to identity theft/fraud.

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 2021-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
In 2018 I was a victim of identity theft my identity was misused. Someone got apartments in my name and utilities in my name without my permission. I am requesting this be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
Barclays card USA : XX/XX/XXXX activated card I received and tried to use. Wouldnt go through. Called customer service and got rep. Said card was fine I kept on line and tried to use it, it was declined again. Rep transferred me and I was on hold for 1.5 hours and no one picked up. Used another card to make purchase. Tried using it again XX/XX/XXXX and declined. Tried to call was on hold for 25 minutes before I hung up. I have other access to funds but what if I needed this card in emergency? They are clearly running bare bones call center staff and its impossible to get actual 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 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My complaint is pursuant to my recent Notice of Intent to Sue, which was sent to TransUnion in XX/XX/2021. TransUnion is reporting several inaccurate items on my credit report, which I have made countless attempts to correct so far to date. Said 'Notice of Intent to Sue ' ( NIS ) specifically demanded that several disputed items be removed from my report. This came after TransUnion ignored a prior letter demanding evidence and/or documentation of the inaccurate items on my consumer report, and failed to respond. The Fair Credit Reporting Act ( FCRA ) only allows for a maximum of 30 days for a dispute to be resolved. Failing to resolve a dispute in that timeframe, and/or failing to provide requested documentation pursuant to Sect. 609 of the FCRA can result in a {$1000.00} fine per unresolved item.

As per the US Postal Service, my demand letter was picked up by TransUnion on XX/XX/2021 and the Post Office in XXXX, Pennsylvania. This began a 30 day timeframe for TransUnion to resolve my dispute. This timeframe elapsed on XX/XX/2021. As of now, TransUnion is now in violation of the FCRA and is not only legally compelled to make the corrections, but is also now liable for civil penalties associated with an FCRA violation.

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 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX continues to show my account as delinquent on my big 3 credit reports even though I have provided evidence that the original account was due to identity theft/fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
from : natural person-XXXX XXXX XXXX to : EXPERIAN INFORMATION SOLUTIONS, INC. 
XXXX XXXX XXXX, XXXX XXXX, UNITED STATES, XXXX & XXXX XXXX- Compliance Director XXXX- XXXX All the entities listed on my credit report are not registered to do business in any of the States abroad. I do not have any debts being owed to any of these entities classified as unregistered unincorporated associations. For example : XXXX XXXX XXXX/XXXX XXXX or XXXX XXXX XXXXXXXX XXXX XXXX, neither of these entities exist nor are registered to do business in the State of Michigan. 
Another issue is that you are allowing these non-existing entities to use different names with multiple social security numbers and report false debts under these stolen social security numbers. There is only 1 Social Security number/Estate authorized to be used, and that is XXXX. For example : who is XXXX XXXX with Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX etc. 
Estate-Social Security number XXXX has no debt. Also, these non-existing entities used fictitious physical addresses associated with Corporations only. 
I've uploaded XXXX XXXX XXXX/XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX record showing no business exist with MICHIGAN DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS.

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 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This letter is regarding account # XXXX, which you claim my account was late 3 times. My Citi CREDIT CARD account was NEVER LATE and the status should be CURRENT. It is reporting incorrectly on 2 Credit Bureaus ( XXXX  and XXXX ) and not reporting at all on XXXX. This account should not have ANY late payments AT ALL. I am in the United States XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, 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 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
I obtained my LexisNexis Consumer Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my report. I never gave LexisNexis any written consent to report or furnish my Bankruptcy public records. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy.

I wrote LexisNexis and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with updating my account and ignored my rights as Consumer.

I also sent LexisNexis a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I went to Mercedes Benz in XXXX to get a business car loan. I was told that I would not be a cosigner, that they'd run my credit just to verify my score ( a soft pull ) They ran my credit twice in the span of 5 minutes. I was told they ran it once to verify my credit which ended up being a hard pull, not a soft pull like they explained. And, they ran it again for an approval. When I got the second pull I complained to the financial department and they again stated the first pull was a soft pull. To top it off, I was approved for the car with {$0.00} down but when I looked at the paperwork I saw that they had me down as a cosigner and that it would report to my personal credit not my business credit. When I brought it up they said the deal was already signed and that's just how they do business. And, that's how all car companies worked for business loans, which is another lie. 

When I walked out to start the car, it wouldn't work because the key battery was dead, they then changed the battery 3 times and the car wouldn't recognize the key. Imagine being lied to for 7 hours to have a car that will not start. I let them know I didn't want the car and I wanted the inquiries removed from my report since they lied about everything and the car wouldn't even start. They agreed, but almost a month later and it hasn't been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have asked and requested Experian repeatedly to remove these addresses that I have never seen before from my credit report and they will not comply. Isn't that against the law? I want to report them on record for not removing these unidentified addresses. I beleive someone is committing fraud and I want them removed immediately! 

XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN 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 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
[ RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ someone pulled my credit report without my permission. it was 18 hard pulls without my permission on XXXX, Equifax, and XXXX  XXXX Inquiry from XX/XX/XXXX Bank Procred Inquiry from XXXX XXXX, XXXX XXXX. XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX See attachment from equifax please remove all fcra 605 b

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/2021 I called Hunter Warfield because there was something on my credit report. I asked for a letter to verify the debt because I have never received anything. They responded by harassing me and telling me that if I didnt pay them immediately they would sue me. I told them okay I understand that but I need to receive a letter. RUDE. The man badgered me about everything but sending me the letter. I mailed them a letter as well telling them I wanted written communication and no more calls, that I was requested a debt validation. 3 weeks later and no response. They are still trying to contact me by phone.

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 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I filed a complaint already and it has been closed. 
On the previous complaint they attached a letter that at one point said I owed them 1 payment that they took out of the security deposit. They sent me that payment back after I called, the reason for this is because XXXX XXXX in XXXX VA paid that amount. I called Ally and they confirmed this and realized they were wrong. 
Ally did fix my credit on XX/XX/21, unfortunately today ( XX/XX/21 ) they put the delinquency back on my credit report. 
Ally has confirmed with me multiple times that ALL payments were made and on time. 
This has wasted a lot of my time and has caused a lot of stress in my life.

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 2021-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
USAA has finally ended my Membership as I requested. After ending it I didn't have any open accounts and no money. After ending the Membership I received a email saying I had electric correspondence. I don't have access to login, either my pin doesn't or can't access my account. Without a pin I can't get a live person. They don't use email, they won't reply thru social media. I need to know what the message is. I'm having to ask you to contact USAA so I can access the message. Thanks. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation