vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 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: MN

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX. I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX  or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an XXXX XXXX report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged XXXX XXXX not later than XXXX business days after the date of receipt.

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 2023-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Global Lending Services LLC
State: NV

Complaint narrative:
I XXXX XXXX XXXX  several letters to the kia motors corporation especially when I recieved the 3 recall notices due to the air bag chip malfunction this is why all 3 accidents the air bags dud not deploy and I could have XXXX  been killed also the 2 recall notices due to the key fob locking devices nit locking the car properly and they the kia motors corporation XXXX the nerve to reject my letters I sent to them concerning the accidents and the XXXX bags not deploying when they sent me a letter about the air bag chips not working properly and these XXXX XXXX XXXX which u had a totally unsafe car XXXX XXXX XXXXXXXX which I Also have been harassed by the lean holder XXXX XXXX XXXX which they have the unsafe car now and I don't know if they are re investigating this with the XXXX XXXX XXXX or not. I have been stressed out over 8 months since that accident with this unsafe car XX/XX/XXXX which was not my fault plus XXXX XXXX XXXX the lean holder of this piece if trash vuchle have the same XXXX recall notices with the total loss dept again I not only want that XXXX XXXX dollar bill eliminated which XXXX XXXX XXXX  are trying to make me pay or else my credit will be all screwed again is this the way to treat a XXXX XXXX XXXX XXXX veteran. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran on a fixed income I want justice. I want you people to be on my side and assist me in suing kia motors corporation over the un safe car that was sold to me XXXX by XXXX XXXX if XXXX XXXX CA And I also want loss wages because I was working fie the XXXX local XXXX stage hands XXXX XXXX XXXX which I had to take myself off the roster as a electrican tech concerts and convention contracts on the XXXX XXXX XXXX because I lived too far to make the calls and I lost over XXXX in working contracts. I also want the kia motors corporation sued for pain and suffering and I know that there are millions of people suing kia and hyundai motors fir these screwed up cars that sre nit only un safe but easy to steal especially the one I had. My new address us XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX nv XXXX my cell no is XXXX my email address is XXXX thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: PA

Complaint narrative:
Due to the policy that Discover has regarding renewal of CDs that require phone interaction in order to stop auto renewal of the CD, I decided to close my account.

When I had the money transferred it took 7 days to become available in my other bank. This is unacceptable and an obvious way for Discover to hold the funds for their own gain. 

Not only is the practice of auto-renewing CDs unfair, the practice of holding the funds for 7 days upon closure and transfer is punitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: MN

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an XXXX XXXX report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged XXXX XXXX not later than XXXX business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: MN

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX. I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an XXXX XXXX XXXX. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged XXXX XXXX, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: NC

Complaint narrative:
I have a credit card with XXXX XXXX XXXX that Citibank services. 
In XX/XX/XXXX someone fraudulently used this account. 
I was notified that my payment was overdue and was referred to Citibank. 
Citibank investigated and notified me in XXXX or XX/XX/XXXX that they had confirmed the fraudulent activity on my account. 
The fraudulent charge was removed from my account. 
HOWEVER, Citibank has consistently failed to respond to my requests to remove the " delinquent payment '' on this account from my credit report. 
I have called countless times and have filed multiple appeals. The response is always the same. I am notified by XXXX that this was a delinquent payment. 
After a YEAR, nothing has been done to correct this error. 
I was recently notified by my auto insurance company that my premium has been increased because of the delinquent charge that shows on my credit report! 
I called XXXX and was told that the XXXX XXXX charge is STILL on my report. 
This error is continuing to have a negative effect on my credit, and it is costing me! After one year of Citibank 's refusal to correct this problem, I am ready to file a complaint against them. This has gone on FAR too long!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: NY

Complaint narrative:
This is my repeated request that I have been the victim of XXXX XXXX and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX  XXXX & XXXX ( Original Creditor : XXXX ) XXXX Balance : XXXX ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-24 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-24 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: NY

Complaint narrative:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$460.00} ; 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 non-monetary relief
Consumer complaint received 2023-11-24 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: NY

Complaint narrative:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Year was XXXX, it was cold around winter. I had just lost my mom that summer, I was in XXXX FL. My girlfriend mom heard the tow man early morning around XXXX XXXX XXXX. Picking my car up illegal. Yes I was only late on my car payments almost 2 months but I let them know. They illegal took my car, the tow man said they had been looking for my car for a while. Which I don't know how, I kept up with GMAC and I was not that far behind to be repoed. So I called the next morning, GMAC told me yes that they illegally reposed the car, and I could get my car back if I had at least half a payment. I didn't they kept it, they sold it right under me, and they let me know they did. Never said anything about paying then. I moved to TX around XXXX XXXX I got a call about that car, it was a XXXX XXXX XXXX XXXX. Man said, I still owe I explained to him like it was explained to me. Like I'm explaining to these people who aren't GMAC they some scammers or bill collectors I don't owe on they illegally reposed my car they sold up under me. I was told they sold it for the amount I had left to pay on the car & {$4000.00}. Somebody paid it off for me. This is now almost 20 yrs these people are talking about I owe * {$4000.00} but can settle for like XXXX or something, they keep calling me from different numbers and states, talking about getting a lawyer on the case, and I guess prosecuting me. Putting this on my credit, wouldn't this already have been on my credit, if I owed GMAC. I have been on XXXX XXXX XXXX for over 20 plus yrs. All my bill collectors, have a clear understanding to this. When I purchased this vehicle which was in my name only I only had this one income coming in, my single home. 

Deposited a new message : " And unable to come to resolution call or handle this today on our secure mobile friendly website at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That's XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account will be forwarded to a local law firm for review. If no resolution is made, looks like there was a prior promise to pay but no resolution made. Stop this possible further action and or credit reporting if applicable, make sure it's handled today again by phone agent or website. We're giving you all options. '' Click here : to listen to full voice message. 

They call me from many numbers, different states that's a visual voice message.

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 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
This morning ( Thursday XX/XX/2023 ), I received an email from Wells Fargo stating my account balance in my checking account reached XXXX dollars. I logged onto my banking app and saw that two charges were on my account that were fraudulent. Both are purchases from " XXXX '' which I have not heard of before. One charge was for {$420.00}, the other for {$440.00}. I immediately called Wells Fargo to report the fraudulent charges. I was told that a new debit card would be mailed to me and an investigation would launch. I asked if I would be refunded the amount originally in my checking account as both these charges are still " pending '' according to my banking app ( still pending as of XXXX the same day, 10 hours after I called them ). The Wells Fargo representative told me she could not guarantee the money would be refunded and I would have to wait until the investigation was completed.

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 2023-11-24 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: LA

Complaint narrative:
I was taken by surprise to learn that I was a victim of the ( XXXX XXXX XXXX XXXX ) and was encouraged to obtain my annual credit report from all three XXXX Credit Bureaus and identity any inaccuracies or fraudulent information that's keeping my XXXX XXXX from progressing in the right direction to Open a Mortgage, upon review I was taken by surprise learn of I am a victim of fraud ... Credit Card Accounts and Numerous Unauthorized Hard Inquiries. Credit Card Accounts are listed below... 

XXXX : Experian XXXX XXXX Account # : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$500.00} {$500.00} {$500.00} XXXX XXXX  : XXXX. Experian Account # : XXXX XXXX Date Opened : XX/XX/XXXX. XX/XX/XXXX Balance : {$510.00}. {$510.00} These are not my accounts! I filled disputes with each of the XXXX Credit Bureaus and also I contacted the Original Creditors and requested Debt Validation Letters and a Copy of the Original Application/Contract specifically bearing my Signature Consenting to obtain Credit and Permission to Furnish information on my Consumer Report I have not been provided requested information...

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a credit card with XXXX XXXX XXXX that XXXX XXXX. 
In XX/XX/XXXX someone fraudulently used this account. 
I was notified that my payment was overdue and was referred to XXXX. 
XXXX investigated and notified me in XXXX or XX/XX/XXXX that they had confirmed the fraudulent activity on my account. 
The fraudulent charge was removed from my account. 
HOWEVER, XXXX has consistently failed to respond to my requests to remove the " delinquent payment '' on this account from my credit report. 
I have called countless times and have filed multiple appeals. The response is always the same. I am notified by TransUnion that this was a delinquent payment. 
After a YEAR, nothing has been done to correct this error. 
I was recently notified by my auto insurance company that my premium has been increased because of the delinquent charge that shows on my credit report! 
I called TransUnion and was told that the XXXX XXXX charge is STILL on my report. 
This error is continuing to have a negative effect on my credit, and it is costing me! After XXXX year of XXXX 's refusal to correct this problem, I am ready to file a complaint against them. This has gone on FAR too long!

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