vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-05 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: TN

Complaint narrative:
My credit report indicates I have [ 22 ] accounts that are negatively impacting my credit score and immediately preventing me from obtaining a mortgage and credit. Each of the three credit bureaus is incorrectly reporting credit information deleterious to me for which damages may be sought. [ 11 ] OPEN ACCOUNTS have reported a current account of which, ALLY FINANCIAL XXXX is incorrectly reported. XXXX/XXXX  XXXX is incorrectly reported. XXXX XXXX  XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is a double reporting tow separate balances, {$4200.00} and {$2700.00} and is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. The credit reporting agency is reporting the following unauthorized inquiries. XXXX  XXXX XXXX, Unauthorized and demand strict proof. XXXX  XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. The credit reporting agency is reporting the following incorrect PERSONAL INFO. XXXX XXXX XXXX. I have never applied for credit or ever been known by this name. I demand strict proof this was reported to the credit reporting agency. PERSONAL STATEMENT. The credit reporting agency will not update my personal statement with relevant and current information. I have asked that all prior personal statements be removed to avoid confusion. REMOVE THE CREDIT FREEZE ON MY ACCOUNT FROM XX/XX/2020 to XX/XX/2020.

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 2020-04-05 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In XX/XX/2019 XXXX XXXX put a late payment of 60 days on my account. This was an auto bill pay issue and the bank recognized it on their end but failed to update my account back 100 % payment history. This also popped up on 2 other credit bureaus and has greatly lowered my score.

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 2020-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have had a security freeze with the three major bureaus for many years ( over 10 ) with no issues. For the first time since Equifax was breached, I attempted approximately six weeks ago to obtain a mortgage loan. I have a FICO of over XXXX. I am XXXX and have never had a ding on my credit. XXXX  and XXXX  unfroze my reports for the mortgage company with no issue. Equifax refuses to do so and the former method of using a PIN they provided in the past is no longer offered or working. I have sent them extensive documentation of my identity including an unfreeze form from their website along with my SS card, Global Entry Card, US Passport, utility bills, birth certificate, driver 's license, home deeds, etc ... by email, fax, and snail mail. I can not login to any of their sites as all it gives me is a phone number to call where I am on hold for hours. When I do get through they say they can not help me because my son 's name and mine is similar. That is why I sent in all the necessary documentation.The only response I received was an email about a month ago saying they were looking into it. I demanded they accelerate to a supervisor which they said they would do three weeks ago. I have not had any further response from them to my EIGHT follow-up emails. I am a former XXXX   and could not receive my loan due to Equifax not unfreezing my credit report. This is outrageous and certainly illegal behavior and I have suffered damages. Thank you for your consideration in looking into their egregious conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
This complaint is against NELNET, my student loan servicer. I was previously enrolled in a loan repayment program, Revised Pay As You Earn ( REPAYE ) Repayment Plan, for @ 4 years. Each year I was required to RECERTIFY to be approved. I granted access to my IRS filings to demonstrate my income in order to qualify for the program. In the process of RECERTIFICATION, I used the NELNET calculator to determine my monthly payment : Married, XXXX child, AGI for XXXX was @ {$17000.00}. According to the calculator, my payment would be {$0.00}. My XXXX AGI was @ {$7000.00}. According to the calculator, after my IRS file was accessed, my payments starting on/about XX/XX/XXXX - XX/XX/XXXX, would be $ XXXX/month. I am employed in XXXX  for a non-profit rural hospital. Based on the location, wages are @ 15 % lower than in other locations. After I completed the recertification I received a note indicating the application was complete. As time began to close in on the deadline, I called NELNET three different times and related my concerns that the website indicated my new payment amount went from {$0.00} to @ $ XXXX/month. I was told not to worry because they were behind in processing recertifications. I was also told that if any further information was required I would be notified by an email. I was never notified and never received an email asking for additional information. I dib begin receiving notices that my @ $ XXXX/month payment was nearing its due date. Again, I called to ask what was going on and was assured my recertification was still in the processing and that I should hear back in the next two weeks once the recertification was complete. NELNET confirmed my income and family size via the IRS. The IRS sent me a notification that NELNET had accessed my IRS file well before the XXXX date. There was no reason for any delay. There was no request for additional information once I filed my application. My marriage status, dependants and income qualify me for the $ XXXX/month repayment under the repayment plan I was previously enrolled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I contacted the credit bureaus about an inaccurate credit account by the name of XXXX under XXXX XXXX XXXX in a amount of {$2600.00} which does not belong to me.

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 2020-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I have disputed this amount multiple times with the Credit Agencies after finding this debt on my credit report. Each time the case is closed stating this is a valid debt. I have not received communication from the debtor about this amount nor do I owe the amount stated. In reality, the debtor has closed this account, reopened the account and appears to be charging interest on a medical debt. I can not determine my state 's ( Alabama ) law of protection against this. Most recently, I printed and intend to mail a letter directly to the company asking for proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In XXXX and XX/XX/2020 XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. They informed me that they would fix the issue but failed to do so. This has also popped up on 2 other bureaus and has greatly lowered my score.

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 2020-04-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In XXXX and XX/XX/2020 XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. They informed me that they would fix the issue but failed to do so. This has also popped up on 2 other bureaus and has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In XXXX and XX/XX/2020 XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. They informed me that they would fix the issue but failed to do so. This has also popped up on 2 other bureaus and has greatly lowered my score.

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 2020-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am in the process of purchasing a home and my realtor pointed out several accounts showing on my credit profile that I have never opened nor have any knowledge of

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 2020-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Regional Management Corporation
State: SC

Complaint narrative:
On XX/XX/2020, I noticed there was a loan on my credit report that I did not apply for. I found out a relative had cashed a unsolicited check that came in the mail from Regional Finance Company. I contacted the branch to find out how much the loan was for, when was it opened and how, when I never applied, signed, etc. They told me the problem was with the bank who cashed the check. I have no idea who that bank would be, since it wasn't my bank. After hanging up with the branch of Regional Finance to reach out to the supervisor, I get an alert that they ran a hard inquiry on my credit. I was not calling them for anything to do with my credit, as I was calling to inquire only on a loan that was already in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/2020 - Called by phone and talked to XXXX. I said I have a divorce decree and court order for the division of assets. How can I get 50 % of the assets? Can I just send the divorce decree? How can I process this and get the money? She said, you will need to send the divorce decree to XXXX. So, I sent a digital copy of the divorce orders to the email she specified. And, I mentioned the account details and that the divorce orders were a default judgment and that we have not been able to contact him. And, on the same day, I received email confirmation of receipt of the email. On the same day, I also emailed the same email address asking to freeze the account to stop the withdrawal of money from the account. 

XX/XX/2020 - Asked for updates on the same. 

XX/XX/2020 - Again I sent email explaining the same situation from XX/XX/2020. I received email confirmation of the receipt of email. 

XX/XX/2020 - They said they are unable to process the request and that the account holder must make the request himself. They said I could take legal action against him even though this was a default judgment already. 

XX/XX/2020 - I sent a physical copy of the judgment to the Nebraska Penfed  address by USPS 2 day express mail. 

XX/XX/2020 - They said a member service representative must speak with you regarding the account. So, I called them and they said they will send a document by email with instructions for withdrawal. They told me that I need to fill the form from the email and send it back. So, I printed it out and then I was stuck because they sent me a form which was unclear and from my interpretation required his signature. 

XX/XX/2020 - I called Penfed and they said the account holder must sign the form and that I will not be able to sign the form. I told her that it was a default judgment. She restated that only he could sign and that I needed to get legal advice. 

XX/XX/2020 - I talked to Penfed  again and explained the same situation and they repeated the same advice and did not help me. 

So, Penfed has not acted on the court judgment orders as they were stated in the legal document.

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 2020-04-05 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$480.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-04-05 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: PlusFour, Inc
State: NV

Complaint narrative:
I am in the process of purchasing a home and my realtor pointed out several accounts showing on my credit profile that I have never opened nor have any knowledge of

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 2020-04-05 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: NV

Complaint narrative:
I am in the process of purchasing a home and my realtor pointed out several accounts showing on my credit profile that I have never opened nor have any knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Attatched XX/XX/XXXX letter to Equifax requesting WRITTEN DOCUMENTATION TO VERIFY PURCHASES * MADE BY ME MY IP ADDRESS SIGNATURE TO ACCEPT DELIVERY @ PO OR ORIGINAL * DELIVERY SIGNATURE INTO MY HANDS. see attatched proof of delivery Equifax recieved XX/XX/XXXX. Equifax report cicled XXXX  # XXXX IS RESULT OF ID THEFT see attatched FTC ID THEFT Case XXXX of XX/XX/XXXX. Criminal Investigation Letter XX/XX/XXXX USPS deliveries NOT MADE case XXXX XXXX  ( 5 FIVE ) Replacement cards AFTER FRAUD I REPORTED BEGINNING XX/XX/XXXX see attatched List of thousands of transactions reported to XXXX. See attatched XX/XX/XXXX XXXX  DENIED TO APPROVE MY CLAIM. Emails from XXXX XXXX   BRANCH AVAILABLE DISMISSING ME AFTER A YEAR DISPUTING AT CORPORATE OFFICE TRANSFERRED TO BRANCH. XXXX XXXX REP. see attatched statutes ftc provided with the ID THEFT REPORT. XXXX  IS ILLEGALLY COLLECTING ON ID THEFT. XXXX  DID NOT RESOLVE FRAUD 2 BILLING PERIODS. ** XXXX  REFUSES CLAIM AND STARTS COLLECTION?? XXXX EQUIFAX DID NOT FIX THIS ISSUE CONTINUING INACCURATE CREDIT REPORTING. PLEASE VERIFY WITH ORIGINAL PROOF OF PURCHASE AND DELIVERY ** INTO MY HANDS. 
PROVIDE MY ORIGNAL SIGNATURE OR DELETE IMMEADETLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
LJ Ross Associates placed a collections account on my credit report for a purported five-year-old debt I do not owe. LJ Ross Associates acted with wanton disregard for the truth, and placed this item on my credit report without verifying the amounts with me, and without properly auditing the accuracy of the data. I attempted to contact the company by phone, but they did not answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX XXXX closed my frequent flyer account stating that the miles I obtained from citi credit cards were fraudulent. I need confirmation that ALL miles earned through CITI credit card accounts in my name were legitimately earned and that XXXX XXXX did not have reason to close my account due to XXXX XXXX  miles activity of my CITI cards.

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 2020-04-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Complaint against : XXXX ; Equifax and XXXX. Each is reporting incorrect information on my account. Combined they have inflated the balance of my accounts @ {$50000.00}. Additionally, I have repeatedly tried to have my credit freeze temporarily lifted so that Social Security can verify my identity and I can check my account, to no avail. I have written, called and complained, to no avail. Each of the reporting agencies indicate I am delinquent on my XXXX XXXX Credit Card, My XXXX  XXXX Credit Card, and my XXXX card. Each of these cards has a {$0.00} balance and have never been late. Further, ( 4 ) XXXX Credit Cards fraudulently obtained in my name were forgiven by XXXX and written off. I never benefited or used any of these cards nor do I have them in my possession. None of these cards have a monthly payment and I have never been late with any such payment. I never made a payment on these accounts. You can imagine the havoc this is playing with my finances.

Company response to consumer: Closed with explanation