vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Tesla, Inc.
State: OH

Complaint narrative:
I purchased a vehicle from Tesla located at XXXX XXXX XXXX XXXX in XXXX OH XXXX on XX/XX/year>. I was advised back in early XXXX of XXXX that my refund of of {$7000.00} would be expedited and processed. I was adv numerous times that Tesla would reach out to me. The last call on XX/XX/year> from Tesla stated that the refund of {$7000.00} still has not been processed. I was advised they would call XX/XX/year> between XXXX and XXXX XXXX  est and I still have not heard from them. I have reached out to Tesla numerous times regarding this refund. I was adv that the payment was processed and sent and should be received by a certain date. After that date had come and gone several times with no communication I would call to be advised by another rep that it was not processed and there was no tracking information provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
BACKGROUND : My Private Student Loan was owned by XXXX. My account number is XXXX. 
Recently, XXXX switched to Mohela for servicing the loan. I changed the XXXX XXXX information in my XXXX XXXX XXXXXXXX account to reflect Mohela ( not XXXX ), based on instructions provided by Mohela. 
WHAT HAPPENED : My {$250.00} payment was made via XXXX XXXX XXXXXXXX XXXX XXXX from my checking account on XX/XX/year>. It was sent to Mohela, but it did not go to the correct Mohela department. Mohela now says I am a month late. I have contacted the Mohela address it was sent to, but I can not get anyone on the phone to help me sort this out. Meanwhile, the Mohela Department that needs my money is calling me and is showing my account is past due. 
MOHELA INFO : My payment was sent to : Mohela Higher Ed / XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX / Phone : XXXX. 
It should have gone to Mohela / XXXX XXXX XXXX/ XXXX XXXX PA XXXX. XXXX XXXX is the rep I have been speaking with at the correct Mohela. 
IN CONCLUSION : My loan payment of {$250.00} was paid. It went to the wrong department at Mohela. I can't get in touch with Mohela Higher Ed ( who receveid the money ) to straighten it out. I am attaching screenshots from my XXXX XXXX XXXXXXXX account showing the payment information, along with a screenshot of my Mohela account showing it's past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US bank purposely withholding my card and not letting me access my money! 
The checking card my per diem went to expired. I should have gotten a card automatically when the old card expired! It never showed up. So Through the bank app I requested a new card several times over several months and kept thinking my wife had lost or misplaced it with the mail. When I finally had enough and called them directly they said they had never sent one because ( some excuse blah blah blah ). I'm like No! That's my money I need to have access to it. Oh we are sorry I will over night the card to you! It will cost XXXX dollars to overnight it to you but we will cover that cost because it's our fault. Call back Tuesday to get your tracking number. Tuesday ( today ) I check my account and XXXX dollars is missing for overnight delivery fee. But the real kicker they hadn't even mailed out the card ( another excuse ) mind you I called Saturday night and was supposed to have my tracking number for the new card on Tuesday. Now they are promised to reverse the fee for overnight and to call again tomorrow for the tracking number! All this time they have all my information and don't know bother to let me know why because they want to keep my money in their bank as long as possible! I can't even go to a US bank and pull out my own money! This isn't the first time they did this to me but it will be the last!! I wasted a lot of time on this already!!! Plus I needed that money! My money!

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 2024-12-10 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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 insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Nav Technologies, Inc.
State: OH

Complaint narrative:
the subsect used to work for me he hade accesses to all my financial information also to my personal and businesses information like my he stole old drivers licenses and SSN card also all my locations XXXX numbers I Have a restraining order against him because he vernalized my cars sending my XXXX threats and broke in to my store I Believe he applied for the 11 accounts for business XXXX XXXX cards using my information without my knowledge Last 4 digits of the accounts XXXX its showing on my XXXX business report for the location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am the victim of identity theft. Someone has my SSN and personal information and is using it to try and open bank accounts and credit cards. My experian credit report showed a hard inquiry from : XXXX XXXX XXXX CITIZENS BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That was not made by me, this account or activity with this bank is fraudulent, that's what I'm reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint due to persistent errors and violations in the reporting of my CitiBank account ending in XXXX. I have been disputing these inaccuracies for over five months with CitiBank and the credit reporting agencies, yet no corrections have been made. These errors have severely damaged my XXXX XXXX and are preventing me from purchasing a home for my family. 

Errors and Violations Identified : Impossible and Inaccurate Dates : The account Start Date and Last Reported Date are shown as XX/XX/year> and XX/XX/year>. These are future dates, which are clearly inaccurate and violate the requirement for accurate reporting under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ).

Inconsistent Account Status : The account is marked as Closed and Paid, with a {$0.00} balance, yet it is still reported as Negative with a history of late payments. This inconsistency is misleading and unfairly damages my credit profile. 
Failure to Correct Disputed Information : Despite disputing these errors for over five months, CitiBank has failed to correct the information within the 30-day timeframe mandated by the FCRA Section 611 ( 15 U.S.C. 1681i ). This constitutes a failure to fulfill their legal obligation to ensure accurate reporting. 
My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), I have the right to : Have only accurate and verifiable information reported on my credit file. 
Have disputed information investigated and corrected within 30 days. 
Hold furnishers accountable for reporting inaccurate information ( Section 623 ). 
CitiBank 's failure to correct these errors is a direct violation of my consumer rights and has caused me significant harm.

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 2024-12-10 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:
Please consider the attached letter as my formal dispute of these accounts under the Fair Credit Reporting Act ( FCRA ). Enclosed are copies of my credit report highlighting the disputed accounts, along with any supporting documentation relevant to this matter. These accounts are negatively impacting my credit rating, and I am formally requesting verification of their validity and accuracy as detailed in the attached notice, pursuant to the FCRA, 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-12-10 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 1

5 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit rep
orts directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-10 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: TX

Complaint narrative:
I am filing a complaint against XXXX due to their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a dated and time-stamped dispute letter on XX/XX/XXXXXXXX  ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 9 months have passed with no acknowledgment or corrective action taken by XXXX. I, XXXX XXXX, confirm that the following accounts were unauthorized and are to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. The true bill for your company 's negligence and FCRA violation is attached. Payment is to be remitted to the address listed on the invoice.

Company response to consumer: Closed with explanation