vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 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:
I noticed multiple unauthorized inquiries on my report. 
According to the FCRA ( Fair Credit Reporting Act ) legally these unauthorized & unverified items MUST be removed. All of the inquiries are unauthorized & unverified. I also NEVER gave you guys my written or oral consent to report any of this information on my report.

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 2023-10-02 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-10-02 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-10-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
I purchased a ring from XXXX using my Visa gift card ( received as a BDay gift ) and my personal XXXX. The bulk of the purchase was paid for using the gift card ( {$270.00} ) and {$58.00} on my XXXX. I returned my purchase to XXXX and SPECIFICALLY REQUESTED store credit ( because of the gift card ). Was told that was ok, so I followed all their requests to receive store credit. However, XXXX XXXX processed the return back to my gift card & XXXX and I no longer have the Visa gift card! 

I have called XXXX MULTIPLE times to get a replacement card and the only thing they said they can do is open a case? 

So I have {$270.00} on a Visa gift card that I cant get access to!! I am extremely frustrated because this is a lot of money and was a special gift from my mom for my birthday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Months ago I finally did my homework on what was ruining my credit score. My ex wife used my personal information to apply & used credit cards without my consent. She used her phone number & email address so I couldn't receive notification. If there's no justice in that, why bother being innocent. Even the police don't seem to care. Take initiative that I'm looking for a better future & these criminals need to be hold accountable. 

Blessings ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I opened a money market account with Ally bank. I initiated a transfer from my original savings account to fund my money market account in the amount of {$12000.00}. Ally wrongfully initiated two transfers of {$12000.00}, totally {$24000.00}, which over drafted my account. I called Ally to have them cancel the second transfer that I did not initiate and I was told they could not and that I needed to contact my origin bank. I contacted the origin bank, XXXX  XXXX XXXX, and was told because they are not the bank that initiated the transfer that they could not cancel it, but Ally should be able to. Ally refuses to cancel the transfer. I asked to close my account with Ally and was told I need to wait for the two transfers to post before I can close.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: AZ

Complaint narrative:
My student loan was forgiven in XXXX. Mohela report incorrect amount as forgiven, and stated they would send a correction letter. they never did that, but now account shows online as XXXX balance. No history is allowed to be accessed. Mohela promised to contact the credit reporting agencies to have the errors removed and report the XXXX balance as of XXXX, but there's no evidence they ever did, despite weekly phone calls and promised from them to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I usually pay my bills and dont really read through them. I admit it took months for me to notice the charges. My husband passed and I was just paying bills and didnt take the time to read through anything. A company called XXXX XXXX  got into what I think was my XXXX ( which is no longer used ) but it was linked to all my accounts causing a total nightmare. 
One of them being my Apple Card. 
I originally disputed the charges ( over XXXX $ ) and they were charged back almost three months later. I asked why they didnt ask for other info or anything. They just say they dont have to. The charges were redisputed and are still pending. 
I have sent the screen shots from my bank exc. where there was also fraud but they have completely frozen my card. Added all the charges back, are charging interest on them and still having me pay every month even though I am unable to Use my card. I have inquired as to what else they need multiple times and was told they have everything. They also keep reporting to credit agencies that I am over my limit. Im not over it even with the extra charges on there. Ive spent hours trying to resolve this with them and do not seem to be able to get any resolution. I know this violates the credit act. I keep paying bc I dont want them to damage my credit further. 
I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate late payments on my experian equifax credit report. they sold the debt I owed to XXXX XXXX XXXX XXXX XXXX. I started paying this third party debt collector through a debt consoldation program. the first payment was made XX/XX/XXXX. they were paid monthly through ACH transfers with the final payment being made XX/XX/XXXX. this debt was no longer owned by them since it was sold to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXs reporting late payments from XXXX XXXX XXXX even with payments being made to their debt collector. once the final payment was made on XX/XX/XXXX. XXXX XXXX XXXX XXXX this point added " 30 days late '' een with the debt settled. they are reporting inaccurate late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for equifax. highlighted pictures provided are evidence of payments made to third party debt collector XXXX XXXX XXXX XXXX XXXX for the debt owed. the other pictures are evidence of inaccurate information being reported to my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate late payments on my experian XXXX  credit report. they sold the debt I owed to XXXX XXXX XXXX XXXX XXXX. I started paying this third party debt collector through a debt consoldation program. the first payment was made XX/XX/XXXX. they were paid monthly through ACH transfers with the final payment being made XX/XX/XXXX. this debt was no longer owned by them since it was sold to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is reporting late payments from XXXX XXXX XXXX  even with payments being made to their debt collector. once the final payment was made on XX/XX/XXXX. XXXX XXXX XXXX XXXX this point added " 30 days late '' een with the debt settled. they are reporting inaccurate late payments ( XX/XX/XXXX for experian and XX/XX/XXXX for XXXX. highlighted pictures provided are evidence of payments made to third party debt collector nXXXX XXXX XXXX XXXX XXXX  for the debt owed. the other pictures are evidence of inaccurate information being reported to my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided in and may possibly belong to a relative. For the record, I have lived at the same address for five ( 15 ) years. 
My correct name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY, they are not accurate. 

My current address is XXXX XXXX XXXX XXXX, OH XXXX and I have resided here for 15 years All other addresses are not accurate, please remove them immediately XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX My current telephone number is : XXXX Please remove all other numbers IMMEDIATELY, they are not accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: NH

Complaint narrative:
On XX/XX/2023 XXXX  was added to my account, without notice and I was assualted and detained by NSA officers ( irrationally ) in XXXX - XX/XX/2023. I started receiving late payment charges on XX/XX/2023. A check was returned to the issuing bank when depositing money into my PenFed XXXX XXXX ( XXXX ) account on XX/XX/2023. The check cleared when I made the mobile deposit on XX/XX/2023. I made another deposit on XX/XX/2023, and the funds are reflected as available ( except when I try to make a car loan payment ).

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 2023-10-02 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: SC

Complaint narrative:
Leading up to student loans resuming, I tried several times over the course of XX/XX/ to log into my online Nelnet account to confirm details such as payment amount, bank details, and automatic payments. I was unable to log in, and their automated account recovery process didn't work any of the times that I tried ( No email was sent to my email address ). Not sure exactly when my due date is, I called Nelnet 's help phone number this morning XXXX XXXX XXXX and have been on hold for 2 hours now with no end in sight. I'm worried about suffering consequences of not paying if I continue to be unable to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-10-02 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
unauthorized credit inquiry

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 2023-10-02 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX, I am writing a second request to have my reporting status updated with the Credit Bureaus. I was a customer American Express and held a XXXX XXXX, during a difficult transition in my life, I fell behind with this credit card. As soon as permissible, I paid this account off in full as agreed dated XX/XX/XXXX. Upon referencing my updated credit report It is currently states. " Your account has overdue payments. Pay the minimum amount to avoid a charge off going to collections ''. When applying for credit, it seems as if this delinquency is current in which this is a Paid Charge-Off ''. As previously mentioned, I have done my due diligence in satisfying my debt and I am asking and pleading to have this status changed. On a previous occasion, I had requested to have my status changed and was not as successful however, on this occasion I would like yo have my payment history to be neutralized as it affects my ability to grow with your company as well as other lenders or update my history to reflect that this is not currently a past due account across all three bureaus. Thank you for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: NY

Complaint narrative:
On XX/XX/XXXX I ordered some charms through XXXX. The charms were not delivered and I requested a refund for all the items. Since XXXX was taking too long to provide the refund I contacted my bank and requested a dispute. On XX/XX/, Citibank denied the dispute based on what XXXX claims is a venue made up of independent sellers. But on XXXX XXXX XXXX  XXXX agreed to refund the amount of the purchase but the credit never went through supposedly because I was disputing the charges with my bank. I have letters proving my claim. The original amount purchased was {$300.00}, but they did refund me back {$220.00} and I'm still missing {$73.00}. XXXX is stating that they can't provide me with the credit due to the bank 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 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

Company response to consumer: Closed with explanation