vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : 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 2024-06-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I closed my XXXX XXXX  at Ally Bank on XX/XX/XXXX. Ally verified the routing numbers for my XXXX XXXX. I was told XXXX days. I have spoken to XXXX bank representatives since then and each say its closed. I have at least XXXX case numbers ( latest # XXXX ) trying to determine the issue. I have spoken to numerous supervisors, and I get the same answer : you should have in on to 3 days. Today is XX/XX/year> and still no money. I am looking for my {$6400.00}. 
Background : I had XXXX XXXX 's - XXXX per month with {$6000.00} plus accrued interest in each XXXX. Because of age and health, I have started to consolidate to a money market at XXXX. I have had trouble getting my money every month. This is worst case, and I think Ally customers should be aware. Ally appears to be financially sound. I think this is their way of using my money without paying interest. I lose both at Ally and 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 2024-06-20 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: GA

Complaint narrative:
according to FRCA law XXXX XXXX it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report now.

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 2024-06-20 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: KEYCORP
State: FL

Complaint narrative:
This is my complaint to KEYBANK NA for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I was expecting that they will be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I applied for a mortgage with Rocket Mortgage based on the fact that I could get Rocket Money ( based on their commercials and advertising ) for free since I would have a mortgage with Rocket Mortgage. I went through the mortgage process and was happy with the terms, etc. Roughly 1 month after purchasing the home, I was informed that I would not longer have my mortgage with Rocket Mortgage since it had been sold to a new provider-I was also told I would not have to start paying a monthly subscription fee for the Rocket Money application, which was the sole reason I chose Rocket Mortgage in the first place ( I have excellent credit and had MY choice of lenders to go with ). I feel that there has been a bait and switch or I have been duped into taking out a mortgage to get a service for free that I am now obligated to pay for if I wish to keep it. I would NOT have taken out a mortgage with Rocket Mortgage had I NOT been able to get the Rocket Money application for free. I wish to keep using the Rocket Money application but I should not have to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: OH

Complaint narrative:
Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is THE GENERAL IN COMPANY. 
I previously disputed this account stating : ''I am a victim of identity theft and this debt is not mine. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX. 
I previously disputed this account stating : ''I am a victim of identity theft and this debt is not mine. ''. I don't agree with the results of your investigation.

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 2024-06-20 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: OH

Complaint narrative:
Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is THE GENERAL IN COMPANY. 
I previously disputed this account stating : ''I am a victim of identity theft and this debt is not mine. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX. 
I previously disputed this account stating : ''I am a victim of identity theft and this debt is not mine. ''. I don't agree with the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: OH

Complaint narrative:
Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is THE GENERAL IN COMPANY. 
I previously disputed this account stating : ''I am a victim of identity theft and this debt is not mine. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX. 
I previously disputed this account stating : ''I am a victim of identity theft and this debt is not mine. ''. I don't agree with the results of your investigation.

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 2024-06-20 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: LA

Complaint narrative:
date opened XX/XX/2021 amount {$2200.00} XXXX CARD : Account number : XXXX THIS ACCOUNT ARE FROM IDENTITY THEFT. I DID MY POLICE REPORT WHEN I NOTICE THIS ERRONEOS INFORMATION IN MY REPORT. I NEVER LIVE IN NY i never open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
date opened XX/XX/2021 amount {$2200.00} XXXXXXXX XXXX : Account number : XXXX THIS ACCOUNT ARE FROM IDENTITY THEFT. I DID MY POLICE REPORT WHEN I NOTICE THIS ERRONEOS INFORMATION IN MY REPORT. I NEVER LIVE IN NY i never open XXXX XXXX XXXX XXXX {$2200.00} XX/XX/2021 Account Number : XXXX address i never lived in NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
a account was open without my consent with capital one auto i have sent all documents to capital one auto, still no reply back or any investigation i have attach my affidavit and Ftc report with my Government ID.. this account has been on my credit file for a long time, i wasnt aware until i was deny employment after running a credit check, i have XXXX kids and a wife this has been very stressful trying to contact capital one bank, please review all documents Attachment in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: AR

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I XXXX XX/XX/XXXX with my XXXX XXXX XXXX XXXX XXXX I XXXX XXXX in XX/XX/XXXX. My loans went into deferment. I began to receive a letter on XX/XX/XXXX from Nelnet that my deferment was ending in XX/XX/XXXX, and I was scheduled to make a payment on my loan on XX/XX/XXXX. When I completed my XXXX XXXX XXXX I was told that I had an allowed grace period of 6 months and my student loans would begin in XX/XX/XXXX. I called Nelnet, and they said I have exceeded the amount of allowed grace periods. I requested that they show me this in writing or in my Master 's Promissory Note that I have a limit on how many grace periods I receive after XXXX They could not provide me with any written documentation, I even spoke with the management team whom could not provide this documentation. I spoke to XXXX representatives between XX/XX/XXXX and XX/XX/XXXX and explained to them that I am set to XXXX on XX/XX/XXXX and I am entitled to a six-month grace period per my loan paperwork and speaking with a representative from fasfa student.gov. They all refused to grant me my 6 month grace period due to the reason of exceeding the number of times a grace period could be used. They could not show me this in my loan ( Master Promissory Note ) paperwork or legislation that displayed a certain number of times grace periods could be used. There is no legal document that states that I do not qualify for a grace period or that I have a certain amount that I may use. Then today XX/XX/XXXX when I called Nelnet a representative informed that I selected the extended grad program and they change it and which I did not request this due suppose to be in a grace period until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
wells fargo bank took it upon themselves to add two unathourized products to my mortgage and illigelly used my credit rating to implament said bank products without my knowledge

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 2024-06-20 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:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I initially attempted contacting the credit reporting agency to remove late payment that has a derogatory effect on my credit and also was not authorized by me and also is against the law per Consumer law-15 U.S. Code 1681a. The changes that were made was not an actual correction to my credit reportXXXX XXXX XXXX ( XXXX ) is reporting a late payment on my credit report. Please remove late payments off of my credits report, this information is not correct and violates my right as a consumer, Per Consumer law-15 U.S. Code 1681a. any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility. This is reporting as derogatory on my consumer report and is not authorize by me please remove derogatory information per consumer law 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is the creditor of payments that should be reversed or removed.

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 2024-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
Hello I'm a victim of Identity theft my information has been compromised when XXXX had the data breach my information was exposed I've tried repairing my credit about 3 times since the data breach took place and to no avail someone manages to get a hold of my information opening up credit cards in my name, I was told to freeze my account however once I unfreeze it my information is exposed again. I have a debt collection agency by the name of Jefferson capitol systems LLC trying to sue me for {$4400.00} opened XX/XX/XXXX I've never done business with these people ; XXXX XXXX is also saying I owe {$2000.00} for a credit card I've never had or used, XXXX XXXX XXXX {$410.00} opened XX/XX/XXXX I don't know this creditor, XXXX XXXX {$1000.00} Opened XX/XX/XXXX I don't know this creditor, XXXX XXXX {$3400.00} XX/XX/XXXX I don't know this creditor. These collections that have been identified on my account are hurting my credit score severely. I haven't spoken to any of these agencies as of yet except for Jefferson capital because they are trying to sue me for something that I didn't partake in. I do plan on disputing these collections on my credit report.

This is very draining and time consuming and it's giving me XXXX  constantly dealing with this day in and day out trying to repair my life from identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NV

Complaint narrative:
I do not have any recollection of this closed account that is showing on my credit report " XXXX '' and need it to be removed immediately from my credit report. This is the only report with this fraudulent information on. 

{$14000.00} Also, the following inquires were never initiated by me and need to be removed as well. It was after I applied for my car that all these inquires showed up but were never authorized. 
- XXXX XXXX XXXX- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Accounts are not on any of my other credit reports and need to be removed right away! I will pursue legal action if this isnt taken care of as this is the 3rd time reaching out to the credit agency!

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 2024-06-20 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: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : 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 2024-06-20 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: OK

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 2024-06-20 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: MS

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-06-20 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates, XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-06-20 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates, XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation