vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 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: TX

Complaint narrative:
I am the Victim of Identity theft Please block and remove this account in accordance with section 605 B of the FCRA.

the account is : XXXX XXXX XXXXXXXX {$47000.00} XX/XX/2023 I have filed a Police report and a FTC report. The names on the fraudulent account is wrong as well as the address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: TX

Complaint narrative:
I am the Victim of Identity theft Please block and remove this account in accordance with section 605 B of the FCRA.

the account is : XXXX XXXX XXXX  {$47000.00} XX/XX/year> I have filed a Police report and a FTC report. The names on the fraudulent account is wrong as well as the address.

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 2024-03-22 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: VA

Complaint narrative:
I am writing to bring to your immediate attention a matter of utmost importance regarding fraudulent activity on my credit report. i have disputed this account with you now three times to no avail According to the Fair Credit Reporting Act ( FCRA ), specifically 605B, I am entitled to request an immediate block on any fraudulent accounts resulting from identity theft. Upon reviewing my credit report, I have discovered an account under my name that I did not authorize nor open. The account in question is with XXXX XXXX XXXX, and it has been flagged as fraudulent by me. this account has already been verified as inaccurate and removed by XXXX and XXXX but still remains on Experian This discrepancy is a clear indication of identity theft, and as such, I am invoking my rights under the FCRA to have this account blocked immediately. I have attached a copy of the police report and ftc report filed in connection with this identity theft incident for your reference and records. According to FCRA 605B, you are required to block the fraudulent information within four business days upon receiving a written request from the victim of identity theft. todays date is XX/XX/year> I am formally requesting that you initiate this block on the XXXX XXXX XXXX account within the stipulated timeframe. Failure to comply with this request within the specified timeframe will result in a violation of the FCRA, and I will be forced to take legal action to protect my rights under the law. I urge you to act swiftly and responsibly in handling this matter to prevent further harm to my credit and financial well-being. Please acknowledge receipt of this letter and confirm the initiation of the account block within four business days only to this email address XXXX not by mail. You can reach me at the contact information provided above if you require any further documentation or clarification regarding this matter. Thank you for your prompt attention to this urgent request.

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 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: NC

Complaint narrative:
My XXXX was compromised in XXXX I have spoke with my bank, and I waited for 13 days for an answer for my dispute to learn that I was denied I got my Taxes back on XX/XX/XXXX. My money was drained out of my account XX/XX/XXXX and XX/XX/XXXX also on XX/XX/XXXX XXXX XXXX went and I was playing a game, and I decided to play with him for second time with more money this this time, but it was something suspicious, that I could not understand. He kept offering me more money or more bouns. After never seen my money for the game, he block me I reported back to XXXX and have XXXX change the password when I see you next day my account had been drained now Credit karma will not give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had a wrongful charge placed on my credit card on XX/XX/XXXX from XXXX XXXX. this charge was not supposed to be charged to my credit card. I opened a dispute for the charge and after several months of going back and forth with discover, the ultimatly ruled in favor of XXXX XXXX for the charges and forced me ( XXXX XXXX ) to pay the {$92.00} charge. discover stated, that they released the funds BACK to XXXX once the dispute was ( resolved ) on XX/XX/XXXX. i have spent countless hours on the phone with discover trying to get this resolved and get the merchant paid so I can move forward. but now the merchant is contacting me stating they have not received payment from discover. I am now having to go back and forth between the XXXX companies and am not getting help. when i call discover, they state " the case has been resolved and is now closed '' there is nothing further they can help me with. when i contact XXXX about the payment they state " they have not been paid by discover and that I still owe them {$92.00}. discover has charged my credit card back the {$92.00} and i have paid it. they are not helping nor are they willing to help when i call. this charge should never have been placed on my account, and XXXX submitted proof TO discover stating I only owed {$25.00} ... .not {$92.00} but discover still ruled that i was liable for the {$92.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX Account XXXX : XXXX. XXXX Account XXXX : XXXX. XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 2011 XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be 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 2024-03-22 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 am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX Account # XXXX XXXX- Account # - XXXX XXXX XXXX Account # XXXX XXXX Account 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 2024-03-22 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: NC

Complaint narrative:
I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX Account # XXXX XXXX- Account # - XXXX XXXX XXXX Account # XXXX XXXX- Account XXXX XXXX  - XXXX- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I tried to open a savings account with Ally Bank and was denied because I am not a citizen of United States and only had an ITIN number. I was sent a claim for for the class action lawsuit to receive compensation of {$250.00} which included a W9 form. I sent both in XX/XX/XXXX claim # XXXX. XX/XX/XXXX still hadn't received any compensation I emailed allybanksettlement and sent my claim number at least 5 times. I just heard back this week XX/XX/XXXX that my W9 wasn't completed and they should have sent me an email so I could complete and send back. They confirmed that email was never sent to me and still are denying my claim. This is wrong and unfair they made a mistake and won't take accountability for their error. 2 emails sent by Ally same day : On XX/XX/XXXX at XXXX XXXX XXXX XXXX wrote : Thank you for contacting the Ally Bank Settlement Administrator. 
The form was not fully executed as it was missing information. As you were informed in the notice and claim form, you could be asked to provide official documentation to receive a cash payment from the settlement. As such, we sent notice to request such documentation from you, however we did not receive requested documentation. 
The final deadline to respond to Denial Notices expired. All deadlines and opportunities to cure deficiencies and/or dispute Denial Notices have passed. We are no longer accepting deficiency responses or disputes. 
For more information, please visit www.ABBankSettlement.com. 
Regards, Ally Bank Settlement Administrator www.ABBankSettlement.com - On XX/XX/XXXX, at XXXX, Administrator XXXX wrote : Thank you for contacting the Ally Bank Settlement XXXX. 
Our apologies, it appears we did not send a notice requesting additional information. Both parties reviewed your claim and agreed to deny your claim due to missing W9 Form. For more information, please visit www.ABBankSettlement.com. 
Regards, Ally Bank Settlement Administrator www.ABBankSettlement.com

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
HMF is fully aware the vehicle was paid off as stated in the response " The invoice was not paid in full until XX/XX/XXXX ''. Please note that this is an admission it was paid in full, and the issue at hand was the check was delayed within their departments for an extended period of time. Please amend my credit report charge off now, for as I said, I do not want to escalate this any further than to have your error removed from my records. Thank you. 

We had no bill due until XXXX XXXX XXXX. ( XX/XX/XXXX ). As you can see in their response it was paid in full on XX/XX/XXXX. 
I will attach the document of the account. 
This was not a write off, and we made no late payments. 

I only want the above statements to be remedied and addressed. The last claim response stated we didnt make advance payments when I never said we did. I said we made payments even when the car was not in our possession and deemed a total loss at no fault of our own. They simply deflected the issue at hand. Im not playing the blame game but Hyundai is well aware of their recalls and mailed us a separate agreement. I have never seen that invoice. That was our previous address, which they are aware of as thats where they sent our agreement letter. They are more than welcome to send a copy of that letter if they wish to continue this back and forth. We chose to be good people and just wanted this matter situated but they continue to make it difficult.

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 2024-03-22 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: FL

Complaint narrative:
I am a known victim of identity theft. The theft has already been reported and some of the information has been removed. Whoever stole my info went wild and applied for like XXXX accounts in my name. I am trying to rectify this but there was a point in time that I had file bankruptcy temporarily because all the accounts were going to collection and trying to sue me. Now, they do not want to help me. I am not in bankruptcy any more. The credit bureau is not doing right by me and they keep saying the information is accurate even though I submitted the proof that my identity was stolen to them. It has been going on for months and it is costing me lots of money to keep sending the stuff out and to take time off of work to deal with this.

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 2024-03-22 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 a known victim of identity theft. The theft has already been reported and some of the information has been removed. Whoever stole my info went wild and applied for like XXXX accounts in my name. I am trying to rectify this but there was a point in time that I had file bankruptcy temporarily because all the accounts were going to collection and trying to sue me. Now, they do not want to help me. I am not in bankruptcy any more. The credit bureau is not doing right by me and they keep saying the information is accurate even though I submitted the proof that my identity was stolen to them. It has been going on for months and it is costing me lots of money to keep sending the stuff out and to take time off of work to deal with this.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
while looking into my credit credit report XXXX XXXX I noticed some accounts weren't accurate nd incomplete. According to the FCRA when a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the person who the report relates this account : XXXX XXXX XXXX XXXX # XXXX I never had an account with this company, also the dates and amounts are different on my credit reports. 

XXXX XXXX XXXX Account # XXXX The dates and amounts reporting are incorrect XXXX XXXX XXXX  ACT # XXXX the dates and amounts are incorrect. 

XXXX acct # XXXX dates and payments are incorrect and this is too old to be on my credit report. 

I've sent letters to these companies asking them to reinvestigate these accounts. I got response back but notice nothing was modified which is a violation of 15 USC 1681i ( 7 ).

They also violated 15 USC 1681i ( 5 ). 

I also have incorrect personal information like my home address and last name attached is my ID with my correct address and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
while looking into my credit credit report XXXX XXXX I noticed some accounts weren't accurate nd incomplete. According to the FCRA when a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the person who the report relates this account : XXXX XXXX XXXX XXXX # XXXX I never had an account with this company, also the dates and amounts are different on my credit reports. 

XXXX XXXX XXXX Account # XXXX The dates and amounts reporting are incorrect XXXX XXXX XXXX ACT # XXXX the dates and amounts are incorrect. 

XXXX acct # XXXX dates and payments are incorrect and this is too old to be on my credit report. 

I've sent letters to these companies asking them to reinvestigate these accounts. I got response back but notice nothing was modified which is a violation of 15 USC 1681i ( 7 ).

They also violated 15 USC 1681i ( 5 ). 

I also have incorrect personal information like my home address and last name attached is my ID with my correct address and name.

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 2024-03-22 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: VA

Complaint narrative:
In years XXXX I worked for XXXX XXXX XXXX After my hardship time frame ran out, my loan went into collections. Great Lakes took over my loan and I spoke to them about {$5.00} payments to get out of the status and then I was told I could then do IDR and qualify for Public Service Loan Forgiveness payments for 10 years or 120 months. Now, I work for XXXX XXXX XXXXXXXX XXXX. This is were everything feel apart. Great Lakes sold my account to Nel Net acct : or loan # XXXX. I got my new employer to certify my PSLF application in XXXX XXXX with my employment date with them starting XX/XX/XXXX. I Still work for them. So, today XX/XX/XXXX when I called Nel-net to see what and where my PSLF status is early this morning, I was told they don't touch those forms, have anything to do with it, etc. to call XXXX. I called XXXX who I had never heard of before. They don't even know who I am. On the phone putting in my SSN and DOB, they don't know me. I log in at work to their website to try to create an account thinking I can upload information. Nope, once again, they don't know me. I research a bit more on the site. You have to get your loan servicer to push everything over to them or process. Call nelnet again. Get the run around again rep XXXX. Get escalated to a supervisor who tells me my {$5.00} is not enough and they don't know what that is for by XXXX. XXXX XXXX says the dates from what you're telling me would be too old so you need to get your employer to do a new one. Okay I will send this back through my HR on a new form today. HR says we do these all the time, why is your servicer giving you such a hard time. XXXX at nelnet, the supervisor says but again, we don't take them, process them, etc. I say XXXX. XXXX 's website says other servicers have to transfer this to them. They won't take the forms or do anything with them if I am not with them. My issue with nelnet is two-fold. My {$5.00} is enough. The pandemic came and I would have totally satisfied my XXXX payments with Great Lakes to move into IDR and PSLF. Now, you tell me another story. I want my old and new forms to be accepted and I went ahead and uploaded my PSLF on nelnet 's site anyway, so they have it. I want those forms processed and moved to XXXX immediately so I can get credit for being in XXXX XXXX at qualifying institutions for the 14 years I have been doing so instead of getting the run around that I have. Also, so that I can create and account and upload and send them the qualifying paperwork that they won't take until I fall under them. I am also a military veteran and used my G.I. bill for some of my education. I only took loans out when I could not longer use that. Give me credit for all those past payments.

Company response to consumer: Closed with explanation