vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-13 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: CT

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau the document needed and a letter from my advocacy group helping me to human trafficking debt bondage which falls under trafficking according to trafficking-debt that final rule 1002 .142 ( B ) 4-5 -- 100 2.142 ( b ) 7 .I kindly request that you block this information from my credit report within four business days pursuant to the section 605C of the fair credit reporting act I'm a victim of human trafficking debt bondage I would like for all listed of my city block and deleted. I am filing this FTC identity theft affidavit report two separate fraudulent accounts appearing on my consumer FICO report which I do not recognizes reported and which are results of identity theft and fraud these fraudulent accounts consist of a personal credit card account opened at XXXX XXXX Bank on XXXX under the account number : XXXX and a car loan opened at XXXX XXXX XXXX on XXXX under the account number : XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that the Aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to the said items cease pursuant to my rights with the FCRA and FDCPA laws. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Bank State Employees Credit Union Location XXXX, NC At the end of XXXX XXXX XXXX I was hacked. The following week I went to the bank - XXXX  located at XXXX branch in person and closed both checking and savings and got new accounts with a new debit card about a week later for the new account. All companies that tried to get funds on the old card were denied until XXXX XXXX when one charge from XXXX was allowed to go through. I was told that was during XXXX processing time and XXXX could activate dead cards. I went to the branch at XXXX XXXX to try to get it straight again. 
Then all charges were denied again until XXXX when someone named XXXX at the branch on XXXX XXXX. in XXXX, NC. open the old debit card and allowed it to be charged on once again. I went in XXXX back to XXXX and tried once again to get it straightened out. It wasn't until XXXX that I was able to get this old card that was supposed to be closed since XXXX XXXX resolved. Now I may not get all my funds back because companies did charge on it from XXXX to XXXX Companies I did not authorize or continue service with after I was hacked. 

The cable company, XXXX in XXXX, NC, came to repair the cable right before the card was reauthorized in XXXX. I told them I had cancelled the service in XXXX and even went to the office of the cable company to find out more about why they were trying to fix what I wasn't suppose to have. They said they had been charging the old card. The next day a authorization was put on the old for charges. Although there had been none since XXXX when I called to cancel the cable. The bank informed in XXXX that it was XXXX who had reauthorized the card after I went in to make sure to once again check on the bank account and new card. 

I made repeated phone calls and visits to the bank regarding my accounts which have been changed 4 times now due to this. The original card that was supposed to have been cancelled, but was attached to all of the accounts with new cards issued. One of which I never received. If could not use the card from XXXX, Why then could a business? Why was it reopened in XXXX? Why wasn't it closed in XXXX the first time? Are you supposed to have 2 debit cards for the same account? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-13 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: TX

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
Complaint Against Harley-Davidson Financial Services for Inaccurate Credit Reporting and Potential Retaliatory Actions I am writing to formally lodge a complaint against Harley-Davidson Financial Services ( HDFS ) concerning the inaccurate reporting of 12 missed payments on my credit report and potential retaliatory actions following a prior complaint I filed regarding excessive interest charges. 

Details of the Complaint : Inaccurate Credit Reporting : HDFS has reported 12 missed payments on my account Account Number : XXXX, which is incorrect. I have consistently made all payments on time, as evidenced by the attached payment history. 
Potential Retaliatory Actions : Subsequent to filing a complaint about excessive interest charges three months ago, HDFS reported these alleged missed payments. This sequence of events suggests possible retaliation for exercising my consumer rights. 

Supporting Documentation : Payment history records demonstrating timely payments. 
Credit report highlighting the erroneous entries. 
Correspondence with HDFS regarding the prior complaint about interest charges. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Additionally, upon receiving notice of a dispute from a consumer, furnishers are required to conduct an investigation and, if the information is found to be inaccurate, promptly notify each consumer reporting agency to which the information was furnished and provide any necessary corrections ( 15 U.S.C. 1681s-2 ( b ) ( 1 ) ).

Requested Resolution : 1. Immediate correction of the inaccurate information on my credit report.

2. A thorough investigation into HDFSs reporting practices and potential retaliatory actions.

3. Assurance that such inaccuracies and potential retaliatory actions do not recur.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX requested that a file dispute be initiated for OAG Texas which is reporting a balance error of {$42000.00}. The balance should be {$0.00}. 

On XXXX the company came back on Report Number XXXX stating that the investigation was complete based on report from data furnisher. 

I never gave my consent or agreement to have this item place on my credit profile as child support is not a credit transaction.

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 2024-12-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
I received a card from the XXXX Data Breach settlement and activated it. It will not work and declines everytime I try to use it. I have tried contacting XXXX and the XXXX numbers forces you to enter a card number. When I enter it says it is not valid and disconnects me. I can't talk to anyone. The number listed to call says it is disconnected!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: IL

Complaint narrative:
I found out through my insurance company that I was uninsurable for auto insurance because I had an at fault accident in XXXX XXXX New York on XXXX XXXX XXXX. It was later found out that there is another person with my same name and date of birth who lives there had an accident that was assigned to my identity by XXXX XXXX accidentally. I disputed this with Lexis Nexis and they came back and said that the information appeared to correct and that because XXXX  confirmed it they couldn't change the accident info. When I received my consumer report after the first dispute, it showed that my personal information had been mixed with the other person in New York with my name. I have disputed the information two more times and they still have not removed the other persons information from my consumer report, and the accident is still attributed to my name. It has been 4 months and the only progress that I made was to get a letter from XXXX saying that I was not the person involved in the accident. Lexis Nexis insists that they have done everything that they can and that it is XXXX 's fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX My only Phone number is ( XXXX ) XXXX My only Employer : 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 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I received a letter from Ally Credit Card on or about beginning of XX/XX/XXXX. Terms were 0 % intro APR for 12 months. Just saw, on or about, XX/XX/XXXX that they were ending this intro APR after only 9 months, in XX/XX/XXXX. I called to dispute this on that date. They told me to fax the original offer letter to them. I faxed my offer letter to them on that date ( XX/XX/XXXX ) from XXXX and got a successful receipt. I called them today and after first saying they never got the fax, they then made me hold on the phone about XXXX minutes. When they finally came back on the line they admitted that they did get the fax but that the issue " went up the line '' and would take about 10 days or so and I should call back. This is a real scam in my opinion. An offer to a senior set to expire early around the holidays. Most people would not even notice until the interest rates started tacking on at 29.99 %. I almost didn't notice this in time but only a fluke make me look into it.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX XXXX XXXX Venmo was supposed to issue me a temporary credit for a dispute at the atm. They instead falsley claimed they released the credit to me but infact only claimed they did in email, there was no way of me recieveing my credit. Which is against the law. Forward to NXXXX XXXX XXXX venmo sends me an email claiming my temporary credit is now permanent and the case is resolved in my favor. Yet, still venmo has my funds locked without my permission or consent. This is extremely scummy behavior from not only a bank, but a business to practice this type of behavior towards customers is truly appalling. Venmo is going against my right and not allowing me to widthraw, transfer nor spend MY funds, that rightfully belong to me. I will be taking legal action. I advise everyone to Stay far away from this garbage bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Subject : Charge-Off Dispute Dear XXXX I am writing to formally dispute the charge-off listed on my credit report under account number XXXX. Upon reviewing my credit report, I have found inaccurate or incomplete information regarding this account, and I am requesting a thorough investigation into this matter under the Fair Credit Reporting Act ( FCRA ). 

This account is not accurate and there are many errors. 

Section 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers ( creditors ) from reporting inaccurate information and requires them to correct or delete inaccurate information.

FCRA Section 604 ( 15 U.S.C. 1681b ) outlines permissible purposes for accessing credit reports, which do not include direct reporting of a consumers income. 


The details of the dispute are as follows : Creditor Name : [ Name of creditor reporting the charge-off ] Account Number : [ Account Number or reference number ] Reason for Dispute : [ Explain why you believe the charge-off is inaccurate. Examples include incorrect account balance, payment history inaccuracies, account not belonging to you, identity theft, etc. ] To assist with your investigation, I have attached copies of relevant documents that support my dispute, including [ list supporting documents, such as payment records, correspondence, identity theft reports, etc. ]. Please review these documents and correct the inaccurate information on my credit report. 

As required by the FCRA, I request that you provide written confirmation of your findings and update my credit report to reflect accurate information. If you are unable to verify the accuracy of the charge-off, I request that it be removed from my credit file entirely. 

Please acknowledge receipt of this letter within 30 days and provide a resolution as soon as possible. If you need additional information or documents to resolve this dispute, you may contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good day. I recently found out that I would need to have flood insurance. A few days prior to hurricane Helene on XXXX ; I reviewed my mortgage statement online and noticed an increase in payments that would apply to my next statement ; I pay my mortgage directly from my account biweekly. I called my lender to ask about the increase and they told me it was due to not having flood insurance. I explained that I was not required to have flood insurance and they stated that this is a new requirement ; I was rezoned and now fall under " special flood insurance ''. I told them that I was unaware and that I did not receive any communication in regards to this ; they claimed they had sent it out to me via mail. I checked my email, texts, bank account and mail and the communication was not there. I asked them to send me a copy of the communication and they have yet to do this ; In short I acquired my own flood insurance that is {$500.00} annual but they acquired there own flood insurance and have subsequently added XXXX XXXX monthly to my mortgage which is burdensome and unnecessary since I purchased 1 year of flood insurance ; I had spoken to an agent of Wellfargo and they had told me that as soon as I purchased my own they would remove their policy and I may have a gap between insurance that would need to be covered ; I have had no flood damages or made no claims for flood damage ; I immediately got insurance and provided this to my agent and the mortgage company ; albeit I had to wait a few days until hurricane Helene had passed for the underwriter to approve the insurance ; the gap that is owed from the time they placed it till I acquired my own I am willing to negotiate. They told me that for the life of the loan they will escrow additional fees for the flood insurance ; Their flood insurance is {$7200.00} if the math is done ; while mine is {$500.00} annual ; This is clearly an enormous burden to me. It has now been 11 days that I reached out to wellsfargo and the statement that they sent to my account is blank. I called today XXXX and the agent is unavailable ; they have already collected {$300.00} as a part of an escrow ; I have not escrowed in years due to how expensive it is ; This is a tremendous burden to me ; Your assistance would be appreciated and any resources that can be provided for me to correct this miscarriage of justice

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