vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 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 hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the recent series of attempts to correct the late opening of my account with 3 Credit Bureaus. I would like to bring to your attention the ongoing issues and delays that I have faced in this matter. 

To provide some context, I opened an account with your company and, despite timely submission of all required documents and fulfilling all necessary obligations, I have experienced significant delays in its activation. This delay has not only inconvenienced me but has also adversely affected my ability to access the services I signed up for. 

I initially contacted your customer service department to inquire about the status of my account. I was told that there were some internal processing delays and assured that my account would be activated shortly. However, this did not happen. 

After noticing that my account was still not activated, I made a follow-up call to your customer service. I was met with a similar response, and it was promised that the matter would be resolved within the next few days. 
Despite the assurances, my account remained inactive. I sent an email outlining the situation and seeking a resolution, but received no response. 
I called your customer service again, explaining the issue and expressing my growing frustration. I was promised a call back within 48 hours to provide an update on the progress, but I never received that call. 
Frustrated by the lack of progress, I visited your local branch office in person, where I was met with indifference and a lack of clarity on the situation. No concrete action was taken to resolve the matter. 

I believe my situation should not have reached this point, and I am deeply disappointed with the level of customer service I have received. The continuous delays and unfulfilled promises have caused me considerable inconvenience and distress. 

I kindly request that you take immediate action to rectify this issue and provide a clear and definitive timeline for the activation of my account. I also request an explanation for the ongoing problems and inadequate communication from your company. I am asking for your assistance to remove these fraud items in my credit file : 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 XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Ally Financial concerning the inaccurate reporting of my auto account status. The said account has been deemed as charged off by Ally Financial, and subsequently, a 1099-C was issued. I hereby request that the reported balance on my credit report be accurately reflected as {$0.00}, or alternatively, be removed in accordance with the Fair Credit Reporting Act ( FCRA ) laws. 

As per the FCRA laws ( 15 U.S. Code 1681 ), it is mandated that consumer reporting agencies provide fair and accurate information about consumers ' credit. Specifically, under the FCRA, Section 623 states that information reported to credit bureaus must be accurate and complete. Furthermore, Section 611 allows consumers to dispute inaccurate or incomplete information directly with the furnisher of the information. 

I believe that Ally Financial 's reporting of the charged-off account with an outstanding balance is misleading and inaccurate as the debt has been discharged or forgiven according to the 1099-C issued. As per the guidelines outlined in the FCRA, I am within my rights to request accurate reporting or removal of such inaccurate information from my credit report. 

I kindly request that Ally Financial takes the necessary steps to ensure compliance with the FCRA by either accurately reporting the balance as {$0.00} or removing this account from my credit report entirely. Failure to rectify this inaccurate reporting will compel me to escalate this matter to higher regulatory authorities. 

Please acknowledge receipt of this complaint and provide a timeline for action in rectifying the credit report in accordance with the FCRA laws. 

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 explanation
Consumer complaint received 2023-11-04 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: CA

Complaint narrative:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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: CA

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet has had my SAVE application for months. It has not processed. I have not been updated on anything. I needed the application to go through in order to get an updated mortgage letter from Nelnet in order to close on a house. After six weeks of waiting, the sellers walked and my financing was denied. I cant buy a house until Nelnet approves my application, which I submitted over two months ago. This has placed great strain on my living situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Navy Federal Credit Union for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report late payments on my closed and charged-off account. This action infringes upon my rights under the FCRA laws and demands immediate rectification to comply with legal standards. 

Navy Federal Credit Union 's ongoing reporting of late payments post-closure and charge-off of the account directly contravenes the FCRA laws, particularly Sections 623 and 605. Under Section 623, it is mandatory that the information reported by creditors to consumer reporting agencies is accurate, complete, and updated. The continuous reporting of late payments after the account closure violates these stipulations. Moreover, Section 605 requires accurate reporting of the account status, and the reporting of late payments on a closed and charged-off account is misleading and inaccurate.

Furthermore, the issuance of a 1099-C form signifies that the debt was charged off and written off, thus releasing me from the obligation of repayment and making me tax liable for the discharged debt. Under the FCRA laws, this discharge of debt should be reflected in the credit report accurately. Navy Federal Credit Union 's reporting of an inaccurate balance post-charge off constitutes a violation of the FCRA, specifically Section 605.

In light of the aforementioned violations, I demand that Navy Federal Credit Union take immediate corrective actions in compliance with the FCRA. This includes : 1. Ceasing the reporting of inaccurate information on my credit report, specifically late payments on a closed and charged-off account.

2. Stopping the reporting of an amount owed that is no longer valid due to the charge-off and issuance of the 1099-C.

3. Either reporting an accurate {$0.00} balance or removing the accounts completely from my credit report in line with FCRA regulations.

Failure to comply with these requests will compel me to escalate this matter to the appropriate regulatory authorities to ensure adherence to the FCRA laws.

I expect a prompt response acknowledging receipt of this complaint and detailing the steps Navy Federal Credit Union will take to rectify the inaccuracies on my credit report. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
Chime account link to my cash app account and took my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I contacted this creditor to negotiate the past due debt in good faith. I was told that the account had reached the 7 year statue of limit to collect in California according to FCRA guidelines and that the company was not licensed to collect debt in California but they would continue to report to on my credit to all 3 credit bureaus until the account reaches 10 years then they will decide if they will write it off as bad debt. They refuse to negotiate with me to settle the account and have it removed from my credit and claim they have every intention of ruining my credit up to 10 years until 2027. They refuse to remove this and threaten to ruin my credit up until year 2027.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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: GA

Complaint narrative:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
18 months ago I was advised by my former bankruptcy attorney to send certified letters requesting special information : date of first delinquency, which is when the 7 year period begins, not when the 3rd party buys the account, but when the account first goes into delinquency status. The letters were returned, I called and the gentleman I spoke with was ignorant, starting they bought the debt and work for the original creditors. They base when the debt is discharged off my credit report, not the original delinquency, to stop using XXXX. I said a bankruptcy attorney is not XXXX, to which he hung up. I've disputed these over the years via XXXX XXXX and they never actual update anything despite receiving emails stating they'll be deleted and removed from my report. I received one yesterday, stating the XXXX XXXX account will be deleted. I'll check on 30 days and I guarantee it will still be on there. Most on there account, original date back to XXXX through XXXX when I original got married and then shortly filed for divorce, because my husband overcharged them while I was on XXXX and I could keep up with the payments, they fell behind and eventually were charged off then placed with collections a year or so later. Therefore, I know the date of first delinquency would be XXXX or XXXX, making the debts beyond the 7 year window to be listed on credit report. I'm asking for assistance because the original creditors have deferred me to the 3rd parties whom don't have the original dates of delinquency, only when they bought the debt making this whole situation and process inaccurate and difficult for me to dispute and clear from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: GA

Complaint narrative:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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: VA

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! 

Inquiry details 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 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 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

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 2023-11-04 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: VA

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! 

Inquiry details 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, There is a fraudulent hard inquiry due to identity theft on my credit report that was not authorized by me - that needs to be removed as soon as possible as it is damaging my credit. 

XXXX XXXX - XX/XX/2023 Attached to this is : - My complaint - My FTC complaint - My drivers license - My social security card - My proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 A. Section 3, which states, I have the right to privacy as well as 15 USC 1681 Section 604 A. Section 2. Which also states, a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b which states, a creditor may not treat a payment on a credit card account under an open consumer credit on a open end consumer credit plan as late for any purpose.

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