vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am writing to formally dispute the validity of an account reported by Ally Credit Card on my credit report. The account, reported on XX/XX/year>, reflects a balance of {$XXXX} and a charge-off status. I dispute this charge-off entirely because there is no contractual agreement between me and Ally Credit Card that authorizes them to report this information as my creditor. Despite the provision of statements or other documentation, I assert that these documents do not establish a legally binding agreement between myself and Ally Credit Card. According to 15 U.S.C. 1681s-2 ( a ), furnishers of information are prohibited from reporting inaccurate information to credit reporting agencies. The lack of a contractual agreement renders this information inaccurate and misleading. Additionally, under 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, Ally Credit Card is required to conduct a thorough investigation and verify the accuracy of the information reported. Without a valid, signed contract that explicitly authorizes Ally Credit Card to report this account, the reported information is unverifiable and should be deleted immediately. XXXX also has a duty under 15 U.S.C. 1681i to investigate and remove any information that can not be verified. As this account is not supported by a contractual agreement, it can not be legally verified and must therefore be removed from my credit report. I request that the charge-off status and the {$XXXX} balance be entirely deleted from my credit report, as there is no legal basis for its inclusion. The continued reporting of this information is not only harmful to my credit but is also a violation of my rights under the Fair Credit Reporting Act. Thank you for your prompt attention to this matter. I expect a full investigation and the immediate removal of this erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: WI

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and XXXX  they are causing 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 non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
The Company ( Firstmark Services ) continues to neglect my main Grievance at hand previously presented, and spout only scripted information to me without cause for relief. 

Further, the representatives ( in most recent case, XXXX XXXX. ) neglect the information provided in these Grievances regarding my request to ensure my loans are placed in a XXXX XXXX XXXX  for dates aforementioned -- and instead send only the same scripted information as noted. I would like to note that I further have not been provided the options for " proof '' of residence, as my ID is furnished by the New York XXXX ( my XXXX  state ) XXXX which allows out of state addresses for XXXX XXXX XXXX XXXX XXXX -- as stated prior, I am willing to provide a copy of such ID or banking statement and/or auto insurance which reflects my present MAILING address in XXXX XXXX XXXXXXXX XXXX, California XXXX However, I am uncertain of what " proof '' to furnish for employment, as I am a XXXX XXXX XXXX  for private families, and providing their personal information violates multiple state and Federal statutes including Personal Health Information act. I am however amenable to providing my California XXXX XXXX  as well, if Firstmark Services contacts me directly to facilitate this matter 's full resolution. 

Kindly note that I further remain perplexed as to why Firstmark Services refuses to phone me from senior management level to walk me through this issue, and resolve it amicably -- and I kindly request urgent escalation of this matter, prior to next steps of reaching out to a professional contact at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aid in the ongoing, arduous and extremely distressing matter 's full and immediate resolution. As this is my third complaint against Firstmark Services without resolution, I am also requesting that a CFPB XXXX XXXX be assigned to this complaint urgently. 

Kindly advise urgently as I wish to resolve this matter as soon as possible & amicably at this level. 

Thank you kindly in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: IL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-08-27 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: IL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-08-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX report inaccurate To Experian information such as address and account number according to Experian I have updated Experian with correct address and still reporting inaccurate information Experian is reporting inaccurate information and has not update report to match XXXX and XXXX according to US 1681 eb reporting inaccurate 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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-08-27 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: Merrick, Costello & Walsh, LLC.
State: CA

Complaint narrative:
Please refer to the attached XXXX  I have submitted with this complaint for complete information and reference. 

At some point around the time that an account was opened with Merrick XXXXXXXX XXXX XXXX, my purse was lost/ came up missing and inside of it was my wallet and other documents ( bills, etc. ) from the mail I received that day all of which contained sensitive information that would be valuable to anyone wanting to use it to steal identity and that is exactly what happened. 

I had absolutely no idea that the account was opened until I ran my own credit report and monitoring because I saw how low my score had gone. I was shocked to find the outstanding amount to be over {$800.00}. I did not spend any of that credit, I did not open the account I did not charge anything to this account and i filed a dispute with XXXX whoc resulted in the company, Merrick, basically refusing to remove it from my report. I am not going to pay a cent to them because number 1 I did not open this and I did not charge anything to the account. I never knew it existed it was created without my knowledge by a person assuming my identity and this company dropped the ball during the identification verification process.

it is highly likely they were conned and this account was fraudulently opened. it is not my fault this company was lied to. please help me!

Company response to consumer: Untimely response
Consumer complaint received 2024-08-26 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: IL

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the validity of an account reported by XXXX Credit Card on my credit report. The account, reported on XX/XX/year>, reflects a balance of {$XXXX} and a charge-off status. I dispute this charge-off entirely because there is no contractual agreement between me and XXXX Credit Card XXXX XXXX them to report this information as my creditor. Despite the provision of statements or other documentation, I assert that these documents do not establish a legally binding agreement between myself and Ally Credit Card. According to 15 U.S.C. 1681s-2 ( a ), furnishers of information are prohibited from reporting inaccurate information to credit reporting agencies. The lack of a contractual agreement renders this information inaccurate and misleading. Additionally, under 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, XXXX Credit Card is required to conduct a thorough investigation and verify the accuracy of the information reported. Without a valid, signed contract that explicitly authorizes XXXX Credit Card to report this account, the reported information is unverifiable and should be deleted immediately. Equifax also has a duty under 15 U.S.C. 1681i to investigate and remove any information that can not be verified. As this account is not supported by a contractual agreement, it can not be legally verified and must therefore be removed from my credit report. I request that the charge-off status and the {$XXXX} balance be entirely deleted from my credit report, as there is no legal basis for its inclusion. The continued reporting of this information is not only harmful to my credit but is also a violation of my rights under the Fair Credit Reporting Act. Thank you for your prompt attention to this matter. I expect a full investigation and the immediate removal of this erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: MI

Complaint narrative:
My account with XXXX XXXX XXXX  is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.

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 2024-08-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have been a victim of identity theft since XX/XX/2024. On XX/XX/2024 I was notified that a checking/savings account was opened in my name without my permission with Td bank. I reached out to Td bank regarding this issue on XX/XX/2024 through both the fraud department and global security department. I spoke with 2 agents on the phone regarding my problem but both of them refused to verify for me if a fraudulent account exists. They also refused to give any account details. When asked for a case ID number regarding the phone conversation neither agents provided me with a case ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: RI

Complaint narrative:
All the accounts on my TransUnion are incorrect and inaccurate

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 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I did not become aware of any debt owed to genesis credit FS until a couple months ago. As soon as i received notification that a collection agency was seeking me to pay debt owed, I checked the legitimacy of thr lawyer and collection company and it showed to be legitimate. At that point i called and asked for proof of purchase or telling me where i accrued the debt. They sent me past invoices sent to a very old address using an account that i have no awareness of. It looks as though XXXX is the original company and I have never purchased anything from them. I could search through years of bank statements to prove that. I need to know how to clear my name of this debt. And properly address the collections agency, as they are fulfilling something that they have been legally hired to do, even though their is some sort of fraudulent activity behind this. 

The current name of creditor is XXXX XXXX XXXX, XXXX Attorneys sending me the collection paperwork is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXDate Opened XXXX Balance {$180.00} Account Name : XXXX XXXX XXXX  Date Opened XX/XX/XXXX -Balance {$0.00} Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$7800.00} Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -Balance {$1600.00} Unauthorized inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
This is about the checking bonus from the First Horizon Bank {$450.00} checking bonus that requested maintenance of an average daily collected balance of {$5000.00} in the total deposit balance and a minimum of 10 qualifying client-initiated transactions for each statement cycle for the first 3 full statement cycles. 

XX/XX/2024 - account open at a local branch and deposit a check over {$5000.00} on the day of account opening ; XX/XX/2024 - XX/XX/2024- maintain over {$5000.00} daily balance and over 10 qualifying client-initiated transactions for each statement ( in each monthly statement ) ; XX/XX/2024 - contact customer service for the bonus deposit, and respond that 3rd cycle is pending ( while the statement is already out in XXXX... ) ; XX/XX/2024 - XX/XX/2024 - contact the client manager at the local branch and the manager helped to check my account status and can not explain the reason of bonus not posted. At the end, he assisted to put a request to the internal bonus determination department ; XX/XX/2024 - The local client manager told me to contact the customer service online as he can not get the answer and clarification neither after waiting for 1 month. Called customer service and the representative pushed me back to the local branch as my account was opened at the local branch. This is so frustrating and never had such a bad customer experience before. After so much pain and patience with the waiting, a clear and detailed clarification from the bank is surely deserved!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: IL

Complaint narrative:
I signed up for a loan of {$700.00} on XXXX. I logged into the portal only to realize the Annual Percentage Rate is 546.47 %, for {$2000.00}. So I have to pay a total of {$2700.00}. This is outrageous and should be illegal. This company is scamming people.

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