vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
PROGRESSIVE MGMT SYSTE is sharing my nonpublic personal information with no affiliated third parties XXXX, XXXX, & XXXX. PROGRESSIVE MGMT SYSTE does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are reporting to XXXX AND XXXX that there is high credit limit of {$1100.00} and a balance of {$1400.00}, I did not make any purchase or payment agreement to this company. The information they are providing to consumer reporting agencies is incorrect and damaging. They are violating my right to privacy as a consumer, by reporting inaccurate, false, damaging, information to the consumer reporting agencies. They are violation of multiple federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I could not connect online to my Nelnet account for more than 2 months Nobody answered my phone calls, even if I waited on the phone line 1h to 2 hr. 
I can not select how my payment to be applied ; Because of that, they charge more interest, and does not allow the principal to increase according to my plan. 
Only once in the last 5 month I could made a selection for my additional payment, and they still applied interest at the additional payment ; Nobody answered to provide explanations. 

I could not get the information that I needed regarding the government program for student loan reduction ( in the paper they give a link to some video, difficult to understand but not possible to access if I can not connect online to the site )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: NY

Complaint narrative:
As a foreign national, I have unfortunately fallen victim to identity theft. My consulate advised me to seek assistance from the FTC website. Although I am not proficient in English, I am providing the following information in the hopes that you can assist me. These accounts listed below do not belong to me ; someone has fraudulently used my personal information. Could you please help me by removing them from my records? Here is the list of accounts : XXXX  XXXX XXXX XXXX and XXXX XXXX  XXXX. 

Any assistance you can provide would be greatly appreciated. Thank you.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. Please CORRECT the account XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Purchase of {$290.00} was made on XX/XX/XXXX, which was one of a series of charges made fraudulently on my account ( Citibank credit card ). 

Card was subsequently closed on XX/XX/XXXX and all charges were reversed while the security investigation took place. 

On XX/XX/XXXX, the charge for {$290.00} was re-posted to my account, and was not noticed until the XXXX billing cycle. Follow-up calls were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, notifying Citi bank representatives that I did not make this purchase. I was not asked for additional documentation, and instead told the investigation would be re-opened.

I was told that this would be resolved quickly, but in the meantime I have been charged an additional {$10.00} in late interest fees associated with this dispute.

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 monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute a collection that has been reported on my account. I have no knowledge of this collection and have never seen it before. I believe it to be fraudulent and false, and I would like it to be removed from my credit report. 

I kindly request your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian and XXXX are reporting incorrect inquiries that I do not recognize after filing previous complaints they allege this information was verified upon further investigation consequently they sell consumer information without consent for profit. This behavior is clearly why they will not remove these inquiries. They sold my information without my consent and now such behavior is causing me harm. 

XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b, any billing discrepancies should be promptly corrected and reflected 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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b, any billing discrepancies should be promptly corrected and reflected accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX XXXX are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I got scam, sent money to paypal. Within 21 days, I filed for a dispute because I never got any product/ services from the seller. Paypal refused to dispute. 

On XX/XX/XXXX, I called customer services and want to stop {$1600.00} to the scammer. Paypal still let that money went through and asked me to pay back XXXX or it is going to deb collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to formally address and clarify significant discrepancies concerning the management and reporting of my financial account under your purview, specifically regarding the non-issuance of IRS Form 1099-C and the alleged discharge of a charge-off as part of a bankruptcy proceeding. This correspondence serves both as a formal complaint and a prelude to the enclosed Affidavit of Fact and Truth. 

As per the Internal Revenue Service regulations, I have not received the required Form 1099-C, a necessary document for reporting the cancellation of debt which inherently impacts my tax liabilities. The absence of this form suggests a non-compliance with IRS tax laws on your part, a matter of serious concern and potential legal implications. 

Furthermore, your company 's assertion that this charge-off has been addressed through a bankruptcy discharge remains unsubstantiated. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611, paragraph ( 6 ) ( B ) ( iii ), during the procedures of reinvestigation, ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available .... 

In light of these requirements, I hereby challenge the verifiability of the account status reported by your company and question the validity of the claim regarding its discharge under bankruptcy laws. It is imperative for your company to provide a detailed and transparent account of the process undertaken to determine and report the status of my account, including all relevant communications with information furnishers. 

Attached to this letter is an Affidavit of Fact and Truth, detailing these concerns and my formal stance on the matter. I expect a prompt and detailed response to this affidavit, along with the requisite documentation and explanation as mandated by law. Failure to adequately address these concerns may necessitate further legal action. 

I appreciate your immediate attention to this serious issue and look forward to your compliance with the legal requirements as stipulated by the FCRA.

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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally address and clarify significant discrepancies concerning the management and reporting of my financial account under your purview, specifically regarding the non-issuance of IRS Form 1099-C and the alleged discharge of a charge-off as part of a bankruptcy proceeding. This correspondence serves both as a formal complaint and a prelude to the enclosed Affidavit of Fact and Truth. 

As per the Internal Revenue Service regulations, I have not received the required Form 1099-C, a necessary document for reporting the cancellation of debt which inherently impacts my tax liabilities. The absence of this form suggests a non-compliance with IRS tax laws on your part, a matter of serious concern and potential legal implications. 

Furthermore, your company 's assertion that this charge-off has been addressed through a bankruptcy discharge remains unsubstantiated. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611, paragraph ( 6 ) ( B ) ( iii ), during the procedures of reinvestigation, ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available .... 

In light of these requirements, I hereby challenge the verifiability of the account status reported by your company and question the validity of the claim regarding its discharge under bankruptcy laws. It is imperative for your company to provide a detailed and transparent account of the process undertaken to determine and report the status of my account, including all relevant communications with information furnishers. 

Attached to this letter is an Affidavit of Fact and Truth, detailing these concerns and my formal stance on the matter. I expect a prompt and detailed response to this affidavit, along with the requisite documentation and explanation as mandated by law. Failure to adequately address these concerns may necessitate further legal action. 

I appreciate your immediate attention to this serious issue and look forward to your compliance with the legal requirements as stipulated by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently, I've conducted an investigation on my credit report and have come to encounter numerous discrepancies and inaccuracies.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A 
) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : 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 non-monetary relief
Consumer complaint received 2024-05-06 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: CA

Complaint narrative:
Recently, I've conducted an investigation on my credit report and have come to encounter numerous discrepancies and inaccuracies.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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 am writing to you once again regarding the unresolved issue of fraudulent items on my credit report. Despite previous attempts to rectify this matter, the fraudulent entries persist, causing undue distress and posing a significant threat to my financial well-being. 

In each attempt, I have provided detailed explanations and compelling evidence to substantiate my claims of fraud. I have also followed up with your customer support hotline on multiple occasions to inquire about the status of my disputes. However, despite my persistent efforts, the fraudulent items remain on my credit report, tarnishing its accuracy and integrity. Additionally, I seek transparency regarding the specific actions taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX  XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX Balance : {$8700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$20000.00}.

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